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Yes, I agree with you 80 percent. The other 20 is me knowing that he's not actually thinking "i'm putting her on reserve". He's doing this without knowing it.
Sorry I didnt answer above. She has been paid back 100% by my mother who has since taken me out of her estate and put them. Thats another story. Id say one way or another she didnt ever have to worry about money, her graNDMOTHER IS A MULTIMILLIONARE.