Neil Diamond may think “love on the rocks ain’t no big surprise” but I beg to differ. I endured events I never expected to transpire; and as I scrambled to make sense of the chaos, I intelligently began to reach out for help. The Federation was one of the few organizations that took the time to listen and understand my situation and referred me to HFLSD. “The ominous clouds started to dissipate,” I recalled. The HFLSD team led by Mindi and meticulously organized by Tamar discussed the different program offerings and both parties soon agreed conceptually, but before the program was consummated the clouds huddled yet again and conspired, this time focusing on my automobile. “Holy smokes,” muttering under my breath, “it’s like one step forward and two steps back.” “Gotta remember to get that on a t-shirt some day” I told Mindi from one of those blue freeway phones feet away from the blackish gray billowing smoke from the car engine. “As long as I still had my sense of humor”, even with this I knew I was going to be fine. My nervous chuckle quickly gave way to a panicked laughter as I explained that in 96 hours my car would be paramount to fulfilling a vital obligation. HFLSD was able to restructure the loan and cut a check in less than 48 hours and I was back on the road in 72 hours, well ahead of the deadline.