First, let me say that I'm sorry that you are here, in what must feel like the worse part of your life. Lots of folks here are in similar straights. Keep posting here on your sitch, and take a gander at some other folks threads for some insight into what is working and what isn't working for them. Also feel free to post some comments on other threads and get to know some of the people here. You will find lots of sympathy here.
I think I'll defer to one of the other fine ladies here to comment on the specifics of your sitch, but keep your chin up.
Have you started reading DB/DR yet?
Me40 WAW37 M18 T20 S18,14 D13 EA Bomb 6/08 Sep 11/20/08 Ret 08/09 Sep/Filed 11/09