that's the insult on top of the injury of having to buy a new refrigerator - you also have to replace all of the food. then select the 401(k) deduction you set up. each story was different– each story was painful– but each story was wrong! it may seem like a small detail, but it definitely adds extra peace of mind. this course was extremely helpful, gave me a sense of peace, taught me how to handle things appropriately or a gentle reminder. 