This is quite a long story, and quite shocking. I was in the mortgage business with my ex-husband, and have been around land developing and new home building most of my life...I was appalled at the devious and fraudulant ways of Mr. Carnes. On 12/7/2009, I had a severe emotional breakdown from stress, and trauma in my life. I knew my small home (garage) that I love, and have lived in for 3 years was going up for sale. My fiancee was on his way here, via San Francisco, from London. (part of my break is lack of memory) Please excuse me if I... read full review »