Gillybob, I do so feel for you, not much help really, but you have been so strong through all your troubles, and now this on top. It's just so not fair. Many others have suggested that you lose the busines, by what means I'm not sure, but could it be done? You say "It’s like a mill stone around our necks", that surely will break your spirits if not your backs. I know your DH and you, think of "the boys", but you also say "they are better off than you". You two need all of your strength for you, not for others at this stressful time. I really don't know what to suggest as a solution, but all your GN friends are rooting for you, and wishing and hoping that you can come to a decision regarding your life as it is at this moment. Hugs and prayers to you both, always.