The thing is that *they* signed the loan paper agreeing to the rise in rate... anything else they "might" do between that signing and the ballooning rate was purely guesswork on anyone's part - if they couldn't do it, they shouldn't have signed to do it, period. Gullible, maybe... more like wishful, probably... but also still their own fault.

The farm thing is a big problem... bigger than even the fixed income folks in general (as theirs tends not to be as adjustable an income as some).

For some reason I'd thought that the riding easements had been better...guess it's gotten worse again. I *know* I remember there was a professor at UMCP who was *very* active in an organization that worked to keep them open (among other things)... though he was well past retirement age (I'm pretty certain) even when I was riding there... and that's been 15 years or so now.