Art, this is more my issue, but your comments about h's financial decisions sometimes remind me of one of my brothers who has historically bad ideas when it comes to anything financial--from buying crap cars to overpriced houses and taking out payday loans. I mean, he's so reliable with the bad decisions, you can set the clock by it. So in dealing with settling a parent's estate recently, he had one hairbrained idea after the next. Each idea, not surprisingly, was something that benefited him but would be risky for the estate. Other sib and me were like--uh, no, not gonna happen, but thanks for playing along. I could probably make money off the one brother just by placing bets against him.