I talked to a to a homeless man this morning and asked hi how he ended up this way. He said, "Up until last month, I still had it all. I had plenty to eat, my clothes were washed and pressed, I had a roof over my head, I had TV and Internet, and I went to the gym, and the library. I was working on my MBA on-line. I had no bills and no debt. I even had full medical coverage." I felt sorry for him, so I asked, "What happened? Drugs? Alcohol? Divorce?" "Oh no, nothing like that," he said. "No, no.... I was paroled"