Time to get strict with myself. I am setting myself a one year-plan. In 2005, I will be fully vested in all the employer contributions to my 401K. If I can manage it and don't get fired, laid off or quit or something, I can take a huge risk and hopefully live for a while off what's left after penalties and write. That means pay down as much debt as I can between now and then, get an agent, and sell The Heir, A Stranger's Heart (which way needs a better title) and sell the rest of the Sinclair sisters, too. No prob.