Good for you Terry. You've recognized what you've done; and have apologized for it. I'm not sure that Rose checks her PM's, very often. So, I'll send her a text message inviting her, to check this out.
I'm very sorry, to hear about your wife, house, etc. It isn't right, when our medical expenses put our homes into jeopardy. If I may quote the immortal words of Sir Winston Churchill: "When you are going through hell; keep going". In other words; things look grim now, but will eventually get better. So, hang in there.