I respect your comments usually and your body of work but you need to bring your A game to justify a nickle and dime charge like that.Joel, you have vindicated yourself my friend...

@Sharon Vornholt, I just come across a probate case with 2 executors who happen to live in the same mailing address, however, they don't have the same last name, I assume they are just domestic partners (male and female).

I've found lots of dead or live bodies but all were critters, mice, squirrels, rats, snakes, all kinds of insects, ground hog, possum, skunk, and even found a dead cat.

(8) To represent the Trust and the Beneficiaries in all suits and legal proceedings relating to the Trust Property in any court of law of equity, or before any other bodies or tribunals; to begin suits and to prosecute them to final judgment or decree; to compromise claims or suits, and to submit the same to arbitration when, in his judgment, such course is necessary or proper

At the bottom of the "Message Body" window the list of peoples names will appear.

Tax treatment is very different.There's a large body of case law that establish only two things matter

According to my HELOC note agreement additional advances can be denied or amount of credit line can be reduced in following cases:1) Value of secured property declines significantly2) There is a reasonable believe that borrower won't be able to fulfill repayment obligations3) Maximum APR reached4) When a government body decides that taking addition advances constitutes unsafe banking practice+ 3 other minor clausesFew people I personally know have HELOCs open with pretty much the same terms.The most risky part (at least in my HELOC note agreement) is the following: if any time unpaid balance on the account exceeds amount of credit limit then the excess becomes due immediately.

Any body of water capable of holding water greater than 24 inches requires a barrier around it (fence).  

I use a lot of body language viewing tells me a lot about what they're telling me is true or not.

Also, bury the body in the backyard."