we've got tricia from california. tricia, good morning. what's your question? >> good morning.unced a plant closure in march of '10, and with the current situation regarding the economy and finding new jobs, especially with everyone doing the same job-hunting, what should we be doing right now in planning for -- you know, we own our home. unfortunately, a few years ago, things were looking better when we owned more than our home was worth. so, at this point, should we be short sealialing, should we foreclose, should we pay everything off? should we not pay everything off and save. >> and tricia, do you have kids? >> we do. we have four. >> carmen? >> i hear you rattling off all the responsibilities. first, be very calm about what's going on. you have until march. this is a really good thing. it's an advantage that a lotf people don't have right now. >> right. >> so, you've got six months, tricia, okay. so, here's wha i you need to d. put the family on lockdown. >> okay. >> real lockdown. no non-essential spending. act as if that income was not there for the next six months. cu