Hi I'm Simon. - took a fall off my bike (i was unconscious as a result and there is evidence that i may have been hit by i car but i cant recall anything) - dislocated my shoulder and as a result I've torn 3 of the 4 muscles that operate my shoulder and it requires a full reconstruction. Since I stopped playing sport I have not held private health insurance so need to find $12k+ to pay for the surgery. I'm a landscaper and masseuse and cannot work until my shoulder is right again - 6 months at least according to the surgeon. I think I have enough in savings to live off of in the meantime n keep a roof over my head etc, but the cost of the surgery is what it is and without it I lose most of the function in my right shoulder which I can't let happen. I never put my hand out for anything, but a friend of mine, knowing my circumstances, suggested I try this avenue ... thank you for your interest. Blessings to you and yours.