Possibly anxiety over the whole situation especially with your latest setback.
Maybe, but I think I have come to terms with it,I will, all being well, be starting a new job nextweek (all be it part-time, but thats not bothering me), working for a friend, a nice cushy number too.
I find that if I wake up any time after 3:00am then there is no going back to sleep.

It's probably partly the redundancy - these things go quite deep sometimes. And all the other stuff too that's been mentioned. There's also the age factor, where as we get older sleep is more difficult - my bed has not been my friend for a long time, and waking in pain is normal.