I pick Tim up around 11:30 a.m. from Charlotte Douglas Airport.  He had been in Canada for a week vacation with friends.  In the weeks prior to this he’d been having all kinds of stress at work. Difficult supervisor, HR and manager wouldn’t help, he thinks because rumor has it she’s got dirt on higher-ups. Then he was involved in a multi-car accident where the driver at fault fled.  We found out while Tim was in Canada that Tim’s car was totaled and we’re getting $4500 for it, which is actually more than we expected considering it had over 170,000 miles on it, but it’s going to be quite stressful for him to find a replacement car.  His “vacation” was a disaster. His four friends coupled up and he always felt like a fifth wheel. They were very insensitive to his feelings and to his input about their schedule.  There’s much more to that story.