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@bennyjohnson I’m a boomer. What did I do? I worked full time for 46 years and retired five years ago only because I was let go due to Covid. I am not rich and purchased a very small and old home and have struggled to keep it habitable. I still have a mortgage that I’m struggling with. I’m always willing to apologize if I have done something wrong, but what have I done? Please tell me - what?