I know you said you "never ever" write a response like that one, but man....back off! What on earth did you think you would accomplish by writing that? You have no idea what this woman in Oregon is going through. You have no idea about her finances, suggesting she is irresonsible to not consider a payment plan with her vet...for all you (and us) know, she already has such payments plans in place for several other things... I could go on and on, but that also would serve no purpose. In short, when I read that note, all I thought was, should I be in such a situation, I will not go and ask for help from a list of people who might know such resources that could help me. They'll just ream me for being irresponsible. The FML is here to help, is it not? That response was nothing but cruel judging. That does not help anyone. Minta & Ralphie [Posted in FML issue 4450]