I can't tell you how much it means to me to open my blog and always, always find a nice long comment from you! I know what you mean about the consumerism. My own story with that kind of thing is that my mom felt the same way about me. She had a very sad upbringing in some ways-she was an orphan pretty young and was passed around through her relatives a good bit. I didn't think I was extravagant with our kids, we bought them things like a doorframe folding puppet theatre and bikes and easybake ovens. I still fight the budget thing. What you said about the lending sounds right to me. I haven't been approached for more than a deposit for rent so we'll see.