Force majeure: In contracts, a clause excusing non-performance of the contract if non-performance is due to
unforeseen events beyond the control of the parties, such as acts of God.
If it was an
unforeseen event such an health issue, the loss of a job, or other
events beyond your
control, then a home equity loan is warranted.
1) non-recurring
event: Unexpected pregnancy and birth of child (no other child since - nonrecurring) 2)
beyond control: pregnancy is
beyond our
control; it is the process of human reproduction (LOL, kidding aside, we took protective measures and
beyond that it was indeed out of our
control); abstinence is not required for married couples; and abortion is arguably immoral 3) sudden: 2nd child was unexpected,
unforeseen (protected / contraceptives).