It just gets nuttier and nuttier

Sandy, you are completely allowed to roll your FERS over into another retirement account. If you take a lump sum to yourself and put it in your checking account, you will pay the penalty because it's not a retirement account.

That really sucks, I'm sorry it happened. I've truly been sick for days over all of this, I can't sleep, it's always on my mind. It makes me crazy, people out and about shopping, laughing and going for dinner acting like everything is ok when we're about to lose it all, everything.