Now 2 months ago ‘D’ admitted to me that he had been gambling and told me that he had taken a mortgage out on the house, a title loan on his car, sold his fishing boat and anything of value in the house (while we email regularly, he lives 1000 miles away from me so we only see him every couple of years and didn’t know about any of this), he had not paid the taxes on the home in a couple of years and had not made mortgage payments for long enough that the bank started foreclosure proceedings a while back; he will be kicked out this month. He also had his car repossessed for not making payments to the title loan place.