1day--- by discussion we learn. There isn't a 'you don't know what you're talking about' intent meant with my comments. You came into this thread with good intentions and from a place of support. Most of us do that when we step into a thread. Often we offer up support but don't know the practicals of the situation. That doesn't mean we can't chime in. In fact it would be very sad if we didn't offer up our kindness so freely because we feared making mistakes or interferring.

Bama--- I really hope that someone here can post info that helps you with your current situation.

1day--- I really hope you know that I know you are here with good heart and kindness. I am sorry if my posts appeared to be knocking you. I had thought of it more like we might know a little bit about space travel but without actually training to be an astronaut or entering into aeronautical space engineering we'd never know the inner workings and details of the complexity of space travel. One doesn't learn the complexities of the SS system if they do not have to deal with it! Consider that a good thing not having to work within a difficult system. And if by chance you do then consider yourself lucky that the payee clause isn't something that creates strife in your life.

please do not mistake discussion for perceived interference........I certainly did NOT think of it like that at all!! like I've said it is clear you have good intentions which makes misunderstandings easier to work out as there isn't malice involved. No worries.