| Tough break Mav.
Me and Mrs Jools went through closing up a business about 14 years ago, and we're still feeling the effects today. It took about 10 years to clear all our debts, and at an age when many people have paid off their mortgage, I've still got a thumping great big mortgage and 10 years left on it.
But life is good. I discovered, through all the hardship, that my marriage really works, my kids have got great values because we couldn't afford to lavish designer labels and consumer goods on them so we lavished our time, attention and love on them instead - and they've grown up into great adults.
There IS always a silver lining mate, even when the clouds are at their darkest. | 
Jools
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