Aww Ck that's so hard! Poor her, I remember having the same meltdown with my mum when I was little, worrying that something might happen to her or dad... It must be something all children worry about at some point when it dawns on them about all that kind of stuff.. I reckon councelling would be a good idea cos its do hard to know what to say to them?! In the meantime you could maybe google it and see if there's any decent advice out there on how to deal with that type of conversation? Or there might be some good books around too about how to tackle it? As for thinking she's stupid, is it anything in particular she feels like she struggles with, like at school or something? Hope things get better! Must be hard when children start worrying about stuff!