the sense for those things. I think you should get off your high horse and be a little more open minded. Yes, I think you probably could. You know your Dad, and you know how he works. I'm thinking perhaps if you say something like: 'I know money is a bit tight, and I was thinking earlier about whether we might have to get a loan or something - just to tide us over; have you thought about that yet?' And if he says yes, then you could give your own views on the plusses and minuses as if it were only you who came up with the idea and you are critiquing your own viewpoint. Or, if you feel like honesty might work better, you could say: 'Dad, I couldn't help earlier seeing that you had an email from a laon company; are you thinking about getting a loan? [Don't assume that he's already got one - even if you think he has started the process.] I was just a bit taken aback as I hear such stories about them.' Also, as an aside, it might be worth avoiding saying too much about how you yourself are trying to look for work, because I suspect it's quite possible that reminding him of your part in the equation may compound his sense of guilt that perhaps he has landed you both in this (he may or he may not have - but often we jump to the conclusion that we