Thank you barelyfloating. I appreciate everyones help, especially when I am aware that most everyone here is going through very similar situations, if not worse. So - I appreciate the time to share my story in hopes of receiving some feedback.
I will keep posting, they tell me to post in small frequent posts, so I will end this post, and start a second one - answering your questions. I hope I'm doing this correctly - I'd love to stay.