I went to my last and final appointment with wonderful private Pdoc....to my surprise, he said ,"I want to help you....."Then proceeded to call up my mother.....he had been warned she talks people out of giving up control over my money....he promised not to back down...he DIDNT..after 2 hours of deliberation and into the next 2 slotted appointments..my ***** mother agreed to step down as payee...I Win this %#@&#! fight!!!!!!