Five years ago, retired couple Veronica and Clif Baker were on top of the world, downsizing from their house in Canberra into a spacious penthouse on the 10th floor of a new apartment building, with stunning views of the city. Today, they've hit rock bottom, living huddled in a bedsit in a garage space underneath their daughter's home in the Blue Mountains, with their health shattered and facing financial ruin.