I couldn't believe how mentally disturbed I felt trying to figure this out. I told my bank I felt old age dementia was creaping up on me.....they assured me it was deceptively difficult for all involved....I wish good old Crazydyk, (a lawyer), would wake up and do his lawyer thing to our benefit...would be such a fitting end to the end of this sad, long, investment story. And a serious thankyou to TM. You have such a fighting heart. Isn't there someone on here who know how to take TM's info and do something with it...