 because they said we'd have to pay it back in three years' time, and we'd have to come up with $1,400 a month to pay back, and we don't have that. We don't have that kind of money. When Stephen Sword was not working the night shift and Becky Sword was not working the day shift, they were preparing to hand over most of the $60,000 they'd saved for their retirement to the government agency charged with supporting Americans in their old age.