I'm going out on a limb....why does she need to be single if it has actually been working out?
As though to say the single scene is oh so great? Plus sounds like some financial benefit for living apart with just a piece of paper floating between them? He's out and about, too. It sounds like he is...
Edit: and I personally believe the contract between OP and husband, considering bipolar is part of the equation, may help curb being swindled.
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