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My advice
- go and see your grandmother - this is a 'once only' option.
- get the medical care your wife needs and worry about the financial consequences later (easy to say when I live somewhere with government funded health care). You can always find the money later, but your wife is not so simple to replace.
Hopefully things will turn around for you soon. Just keep your head up.
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who hid my keyboard's PANIC button?
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