Thanks @shello-- life comes with ups and downs and I've been through downcycles before and I know we'll come out on the upside from this, as well.

Yes, it's a bummer to have been powering down-- I had dreams of just "letting it ride" for several years. On the other hand, it's a blessing that we did have this "reserve" to draw on rather than have to borrow really expensively on credit cards.