Often the depth of their scars is not even close to the depth of heart pain that came with those scars.

CNN: 'They call me burnt toast'

And for Michelle Crosby, 37, the founder of Wevorce, a 2013 Y-Combinator alum, the pain hits incredibly close to home.

FORBES: Can This Y-Combinator Startup's Technology Keep Couples Out Of Divorce Court?

So it is possible that the banks are getting close to having properly recognised the scale of pain they face on this category of their lending.

BBC: Will Spain suffer an Irish bust?

Examined on a more realistic basis, the true gap in teacher pensions is nearly three times the official amount--and the taxpayers who will have to close it are in for three times the pain.

FORBES: Commentary