Mark (fictitious name) is a 48-year-old male who works as an accountant in a major corporation. He is married to a 48-year-old female, Susan (fictitious name), and they have been married for approximately 21 years. They have two children, one aged 18 years and one aged 20 years. Mark and Susan recently bought a house, which had been a long-term objective for them. They wanted a house that was bigger and more private, and which would allow the children to have more space and greater possibilities for entertainment of friends, as well as dedicated study rooms. After buying the house, the realised that the housing market had suddenly collapsed, leaving them with the task of selling their current house as part of the contract, but unable to generate buyer interest due to changed market conditions. They found themselves faced with a very big mortgage and very high interest rates. Mark describes feeling extremely anxious and depressed. He has presented to a psychologist in your organisation, who has referred him to you for an initial assessment. [Your role is not to provide counselling or therapy or to do interviews-it is to provide a report to the psychologist that recommends a series of questionnaires and other assessments that the psychologist and the organisation might use to assist Mark). Mark reports major sleep disturbances, where he wakes up in the middle of the night with catastrophic thoughts going around and around in his head. He feels tense and anxious seemingly every minute of the day, and he thinks of himself as powerless and "stupid" for making the decision to buy the house. Historically, he has been prone to feeling depressed. He reports that there is a history of depression in the family, with his father sometimes talking about past events that were traumatic and that he still ruminates about. He says that as a child he was often inward and introverted, and tended to avoid relationships that were too "emotionally close". He still finds this a struggle and he can see it is not helping the current situation very much. Mark has become very socially withdrawn. He blames himself for the financial problems and feels embarrassed mixing with people - he hates the idea of other people finding about what has happened and he feels ashamed. He has thoughts of feeling worthless and "dumb" about what has happened. The tension sometimes boils over in interactions with his family. His partner Susan is also highly stressed about what has happened. They only talk about the financial problems, and the enjoyable things they used to do together are a distant memory. Both Mark and Susan have started working longer hours, in part to fund the mortgage but also to escape what has been going on. Work is distracting and for a little while alleviates the worry and anxiety. Sometimes the tension between Susan and Mark erupts, typically after a couple of bottles of wine. Wine has become a regular habit- it seems to work to reduce worry, but occasionally after a few glasses they end up in intense arguments about how to resolve the problems. There is no physical violence, but sometimes the arguments become so severe that they each say hurtful things to each other. To add to the worries, Mark is very worried about how his two kids are coping. The kids are now part of the family's self-imposed "austerity" package, where every discretionary expense is checked and reviewed. Mark "beats himself up" about restricting what the kids do in terms of activities that cost money. Mark and Susan have a few friends that they can talk to independently about it. Mark has skills in accounting which have helped with the financial problems, and Susan is often more effective than Mark at looking dispassionately and clearly at a problem, and is able to generate practical ideas. They have historically had a happy marriage, though things have soured in recent months.