"How did we get into this situation?" Steve said woefully. Georgia his wife for 12 years replied, "Well, two holidays last year and a new car on the drive are subtle hints.""Shit!" Steve rubbed his hands over his hair, "we need to get advice.""The bank won't help us any more and another mortgage advance is likely to be refused", Georgia replied."Let's get to work, we don't want a lay off on top of all of this", Steve said...