Chad is the expert, but he said that DHS just issued a new opinion on this whole thing of loaning money to a sibling and then paying it back, etc. He said that that is what they do: change their opinion and that's it---no forewarning, nothing + it starts right then---not 6 months from now, next year, anything like that. He said that it had been the way it is now for years. We're not the only ones in this position. He said something about the fact that the money was gone in '09 before they went in in '10 that that might help. He didn't know either. His friend who had the case they issued this opinion on was going before a judge to see about it---bunch of lawyer talk. I thought the exact same thing---if it plays out that every nickel is used---we could have done this without paying Chad 4 grand! We'll see. I'm now wondering that even IF he says that it will go such and such way if we can continue to count on that for Mom and Dad. Hey, my opinion is is that when ALL the money is gone---ALL the money is gone! Period! No new developments can occur! LOL! Hey, there is some comfort in being broke---the ole you can't get blood out of a turnip rule! At least then we wouldn't have to worry about what's next in that train of thought! LOL! Love you all, Jeanie