True, Stormie...life throws you that kind of crap sometimes, can't we be more than just numbers?
I just thought of a new industry that should take off: Psychology Lending. They'll look at your credit ratings, sure, but they'll also sit down and talk to you and ask you things like "Now, WHY would you just sign the house over in the divorce because it was easier on you emotionally?" and gauge your current situation and ability to have your shit together.
I say this jokingly but it's not a bad idea.