However being in a foxhole is an entirely artificial situation, and people in foxholes aren't known for their long-range planning and forethought. If you're bei

However being in a foxhole is an entirely artificial situation, and people in foxholes aren't known for their long-range planning and forethought. If you're being shelled, you're not going to be thinking about whether you can service a new mortgage and whether you should refinance, for example.