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Does she not have any responsibility to take care of him? how does that work?
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Adam, I know it's hard enough to see your dad with PD and all that that entails. But long term illness like PD is frustrating and difficult, and can cause a person to lash out at the person closest to him. Ask any spouse of a person with a progressive illness, and they will tell you that as hard as it is to see your loved one struggle, it's far harder for them to not have full control. To have someone reminding you about meds and exercise and surreptitiously watching that you took your meds and offering suggestions. Your dad's upset over the ironed shirts may have actually been about difficulties buttoning tiny buttons - PD affects every single muscle. Unless your stepmom has flat out stated she's not paying for your dad's care, maybe it's just that she's in the midst of a maelstrom, trying to get thru each hour of each day. And the idea of not personally caring for her loved one is not something she can think about.
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Adam, one thing that can change the dynamics of your Dad and Step-Mom is if the marriage was for "companionship" only. That would put a different light on how each partner feels about their own funds.
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If dad gave you an education, there is no shame in covering some bills or spending money for him, so he does not feel like he is asking his wife for money. Be subtle, like it is no big deal....may be the highest earning investment you ever make. You and dad will both feel good.
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Had personal experience with Mother and Stepfather. They signed a pre-nup in which each would pay their own healthcare costs and keep their funds separate. Long story short--the prenup meant nothing when stepdad went into nursing home. State held that Mom was still responsible for his healthcare costs after his funds were depleted. Furthermore, she would have to sell any jointly owned property other than the house they lived in. IMO second marriages should be entered into with caution and even then, don't count on a prenup to settle complicated financial end of life issues. Medicaid laws can trump the pre-nup.
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Sterling, I agree. Prenups are for dividing assets in case the marriage ends. They are an agreement between spouses, the State / Fed is not one of the parties in the agreement, hence they are not bound to it. Second marriages, or marriages later in life when one has accumulated assets are to be entered with caution.
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So--thanks for all the feedback so far. We're back from 'vacation' and I wanted to share an update...
1. Just before the vacation, Dad told me he'd go into assisted living 'feet first'--and my brother's discussion with Stepmom indicated she was not ready for that change either. So, new plan--finance Dad's future and step up the home care to enable both of them to stay at the house.
2. My brother and I met with the current caregiver, 'Kate', who was recommended to Stepmom by a friend. She's great--very friendly, competent, and firm when needed. Had a good sitdown with her and Stepmom to discuss care needs, and learned that Stepmom wants to handle everything but hates handling everything. Example--Kate volunteered to iron my dad's shirts when needed, but Stepmom says she likes to do that. "Except you say it hurts your back when you iron", pointed out Kate.
3. Apparently Kate and Stepmom discussed the fact that, since Stepmom sold her house, she will split the home insurance and property tax costs with my Dad; I plan to automate the insurance payments.
4. Kate will also create meal plans for Stepmom (who no longer likes to cook or plan meals, which was new to us).
5. Ongoing issue--getting Dad to take his meds. He used to listen to Kate, but now not so much.
6. Finance-wise, we had someone come in and talk to us about a reverse mortgage, which seems viable in the circumstances. Dad is reluctant--doesn't want to 'risk' the house (although he's already got a $115K home equity loan signed out). I suspect the longterm solution is that my brother and I (who are going to pick up the monthly loan payments) will wind up funneling money to my Dad when it's needed--which, good news, means we will get to keep the house (and thus get some financial reimbursement).

So, fingers crossed for the moment...
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Adam, thanks for the update; it's really helpful to know how a family progresses in these ongoing journeys. I hope the vacation was refreshing and offered some respite from the challenges the family faces.

Forgive my impertinence, but a reverse mortgage? You seem financially astute enough to know that these are negatively amortized mortgages. As to keeping the house, by the time the mortgage has accumulated from advances and compounded interest, you'll end up paying significantly more if you want to pay off the loan than you would if a reverse mortgage hadn't been obtained. I assume you know that the equity loan would be part of the first advance as the RM mortgagee will, as I understand procedures, insist on holding a first rather than a subordinate mortgage.

Even if you do pay monthly, unless you're making principal as well as the interest payments to keep the balance stable, the mortgage will increase monthly through the compounded interest.

Alternately, you could use that same amount of money to assist your parents, and don't even get involved with a reverse mortgage.

Another option, given that you and your brother are willing to "step up to the plate" to help your parents, is to refinance the existing equity loan for a higher amount, with you and your brother as guarantors if necessary. At least that way if you only made minimum payments for the interest, it wouldn't be compounded.

Just some thoughts to consider....
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GardenArtist--thanks for the info, and all questions are welcome... ;) As the reverse mortgage was laid out to us (and the agent in question does this on the side, not to make a living), my dad could get a monthly sum based on the value of the house, and that we'd be liable for whatever he got (not the entire loan sum) after he passed and the house was sold. Yes, we were aware the equity loan would be paid off as part of this, and yes, we understand that, in the long term, we'd essentially be giving up the house. I'm not sure what you mean by us making payments; I believe the loan is not due until a 'maturity event' occurs The house is actually worth considerably more than the max value allowed by the government.
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Adam, this is the comment which I interpreted, perhaps incorrectly, to mean that you and your brother would make payments:

" I suspect the longterm solution is that my brother and I (who are going to pick up the monthly loan payments)..."
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that's for the home equity loan he already has, I believe; I only wish my dad's house was worth that much
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Medicaif does not care if there is a prenup in place. One spouse is expected to pay expenses of the other spouse. There is a process called spousal impoverishment that should be checked into through an elder law attorney that specializes in Medicaid planning.
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this is somewhat just occurred to us in the situation with hub's mom; she remarried but his dad had left her what he thought was enough to take care of her - though not sure it really would have been - but she already doesn't have it but she does a life estate in her property that I just learned about the IRS tables for determining how much value that means she still has in the property, which at this point is about half, just not sure how that would apply if she were to have to go in a nursing home
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I didn't read each of the 43 answers preceding, but, why do the KIDS get to decide what their parents are doing?
Why can't the parents decide? I mean, they are still in their full mental capabilities, right?
What's the rush to go into an expensive AL? that will just suck all their money away.
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GardenArtist: Sorry--my bad. The loan I was referring to was the home equity loan, not the reverse mortgage.
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AdamBravo - first of all a super thanks for the update. It's great to follow along on the progress or non-progress (LOL) of the elder care maze!

As I re-read all this there's 2 red flags: stepmom's morphing intent & the RM.About her, that will be another post. Now about the RM, I would be cautious like very very cautious. Try to pin down just how much the RM would actually pay (usually about 45% of the value of the property and arriving at "value" could have costs to do which are added to the fees associated with the RM); find out just what the annual costs are going to be on the house as all those will have to be paid - annual costs are utilities, maintenance, taxes and insurance. Insurance may not be what dad has been paying either. New mortgage could require a whole host of increased property insurance (homeowners, mortgage insurance, flood, wind, earthquake). What often happens for property owners (not just elders either) is that we become underinsured if there is no mortgage holder insisting on required coverage, well it isn't bought. Where I live both flood & wind are required in addition to homeowners & annual costs easily run 10K (yes good readers $ 10,000.00) a yr. For those on limited income used to a single homeowners $ 800 bill from State Farm, it's a heart attack. If you can't show coverage, the mortgage can be called in

Also on the RM, so dad has a home equity loan out on the property? As others have said that will need to be paid off probably first & foremost from the RM funds. You want to find out if this is the case. If so, this could be a very expensive way to pay this off as Dad cannot get a line of credit RM but instead will have to do the lump sum RM which costs more on repayment. After the old HELOC is paid, just how much is left from the RM? Again run the numbers to see what the amount is.

Dad will be required to pay all the required on the house from day 1 of the RM. Does dad have the income to do so outside of the RM funds? Federally backed RM now require them to have qualified guaranteed income to do this in order for a federally backed RM to be done. If she has balked about paying for things, she may not easily write a check for her share of taxes, etc. - she is not going to be any easier to get along with as time goes on.

The house is owned by dad right, he married her after he already owned the house, right? Find out - like in writing from the RM and reviewed by your NAELA attorney - what happens to her if dad does a RM and then dies. She could find herself having the house sold to repay the RM as she has no ownership position in the RM. Her family could come after Dad's estate on all this and you kids for endangerment of an elder. IF her family is anything like you described her to be like, it will be a Wrath of Khan for you & your brother to deal with……

RM's have all sorts of qualifiers that have to be met for RM to continue. If Dad has to go into a facility - even for rehab - you could find he gets a letter asking for all sorts of information otherwise the loan will be called in within 30 days. If there are things that have been delayed maintenance on the house, you could find he gets a letter asking for info on repairs with contracts signed off to do otherwise the loans will be called in as the property has to be maintained to whatever standard the RM now requires. The big players in RM's (WellFargo, BoA) have all gotten out of the game as of 2012 as too many of the properties were underwater. What is left is 2nd & 3rd tier mortgage guys. Many are those who did subprime mortgages back in the heyday of those CF's - they have to slither away someplace and elderly are pigeons ripe for plucking. These guys tend to do deals that are heavy on fees and required as that's income producing. Insurance placement is a ideal on this as the insurance is just included into the RM but instead of it being an increased policy done to the old Allstate one dad had & paid for, insurance is now is a new carrier associated with the lender. The elder doesn't worry or thing about it as it;s all folded into the loan.

If dad should ever need a facility and doesn't have the $ to pay for it and applies to Medicaid, the RM usually is income for them and takes them over the asset / income limited for Medicaid.

RM's for the true elderly and frail just not a great idea in reality imho. I can totally see an RM working for a couple 63 & 66 who own a 600K home outright (so their RM could be 300K) in an area with solidly increasing property values who do it as a line of credit RM to pay for something specific (like grandkids college). Then 10 - 15 years from now they sell the home, now worth 1M. Easily repay the line of credit RM and have maybe 600K left to do a buy-in at a continuing care community or a smaller condo. But those folks can go and get a personal loan or HELOC, they don't need to get a riskier RM. RM's tend to be sold to the advanced elderly with smallish income and a home with delayed maintenance in a less than ideal neighborhood who find themselves in a panic to pay a cost of home or care.
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Also about you & bro getting reimbursed for $ paid for things from the sale of the home eventually. Realize that that totally is an all risk situation. Paying for your parents home to me is like having a 2nd or 3rd home but without any guaranteed of ownership so runs a total risk on exposure. If you do this, you kinda have to be in it for the long haul imho - whether that is 6 mos or 6 years and then through the probate and estate process. If the costs on the house (both the somewhat fixed and the unexpected roof repair) are really not an issue for your pocketbook (and take into consideration you & bro's spouses as they may not be quite happy to have to pay & hear about dad's house costs……); then go for it. But be prepared to fund all this to the end game with whatever agreements needed signed off.

GardenArtist perhaps you could shed some ideas on how to do this??
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About stepmom, so things she has said are not an issue now are, correct? She has been balking on paying for things to begin with, correct? She has her own dementia and competency issues, correct? She tends to view her $$$ as hers & hers alone, correct? As she ages all these are going to be more fixated upon by her & it is not going to be pretty. It could well be that she is going to need oversight 24/7 care in a facility before your Parkinson's dad will. What would that do financially for them as they are married. Prenup as others have said probably doesn't matter. What is her family like & attitude towards ever paying for anything on her? IF both of them need care in a facility, there goes all the $$$.
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Igloo, excellent points, a lot of which I missed. I have been thinking about this and need to do some more - it's more complicated because of the asset issues and I need to reread all the previous posts to bring myself up to speed.

I did want to add something to your comment about the difference between the upset values of the HELOC and the RM. You made some good points. Of particular concern is the rapid acceleration that would occur in obligations, monthly and long term.

This is my understanding:

1, The existing HELOC has an upset limit of $115K. Even if it is fully advanced, the interest is calculated on the $115K, and that's it unless it's with BofA which imposes an annual fee ($35 I believe).

Sometimes the HELOC is a balloon mortgage as well; after 10 years (or other length depending on the loan and lender), the entire balance is due and payable.

There might be some payoff fees if it's paid in full and discharged.

I'm only familiar with HELOCs through a few banks (BofA is one I would never ever deal with again!), so there may be other models and variations.

But essentially, monthly interest payments must be made; on maturity of the HELOC, what remains of the unpaid balance, interest through payoff date and perhaps a payoff charge for recording the discharge would be what's due.

That's it.

2. The RM will payoff the HELOC (there's a $115K advance right there), plus other fees as can be creatively slipped in will be added, to increase that initial principal balance....appraisal, probably various service fees which make no sense, etc.). $115K and counting....

Right at that point you're getting a principal balance that's more than the HELOC, exclusive of any additional advances.

Add the interest rate, not necessarily competitive, and calculated monthly plus recalculated if no payment is made on that interest. Already it's $115 plus fees plus interest on the first month...then more interest for the subsequent months.

As the fees creep up, the available cash for advancement creeps down. Ergo, less money for the parents to draw on when needed.

This is theoretical based on an equity RM. I'm not as familiar with lump sum RMs, and how much would be advanced and bear interest.

But the bottom line is that in the short and long runs, an RM will cost more in fees and interest and leave less for the parents and more to pay off if anyone tries to.

It grows like a notorious blob in that old science fiction movie.

Anyone planning on "inheriting" the home will be stuck paying off an amount in excess of $115K; how much will depend on the interest rate, miscellaneous fees and charges, and how long the parents live.


Segue back to Igloo's comments about needing money if the parents ever need to go to a care facility. That RM money will have been eaten up in part by fees, which are going to continue to accumulate.

There may not be enough, or even any, funds left under the RM for care facilities. And if both parents are out of the house in facilities, I believe that's justification for the RM mortgagee to call the loan, as I believe that living in the home subject to the RM is a prerequisite for good standing of the mortgage.

So, in the long, run an RM might not provide much at all for eventual care, whether it's at home or in a facility.


On another issue, assuming I understand correctly, Adam and his brother would be making the monthly HELOC payments. Adam, I assume you're aware that because this RM isn't on property that either of you own, the interest will not be tax deductible for either of you?

I'll be back later to address some of Igloo's other points and suggestions.


Adam, I'm sure it seems as though Igloo and I are complicating the situation with our comments and suggestions. I'm sure that's true, but we're really trying to point out the pitfalls so they can be seen and addressed now, not down the road when it's either too difficult or too late.
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I didn't get the idea he was seriously considering - or they were - taking out a reverse mortgage, just that they had a talk with someone about them, who I thought was trying to get them to take out one, but that they had pretty much nixed that idea, with the idea that they would just make the payments on the HELOC, but I am glad you brought up the fact that it might be a balloon mortgage; we had one at one time that I - and I don't think my husband either - realized was, which when realized, we didn't have any way of paying it off and not sure they necessarily will either, would depend on what's happened by then, maybe they're expecting everything to be in a place by that point, but if not, we were told that they typically just expect them to be refinanced; I'd be curious to know who it's with, may not be an issue any more depending, but ours was when all this bank buying and selling was going on and ours had been sold and the new bank - well, the old as well but that's a different issue - wouldn't refinance, not necessarily because of us, but could be an issue with them, with the loan being in parent's name - would they still be in a position at that point to be able to do that? - but just because they had different rules as to where they could finance to and said we were out of their lending area - sorry
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Deb, perhaps you're right. My impression was that this was, as Adam described it, a "viable" option. I stepped in, and I imagine Igloo did for the same reason, to share our opinions that it's really not a viable or good option.

From one of Adam's posts:

"6. Finance-wise, we had someone come in and talk to us about a reverse mortgage, which seems viable in the circumstances. Dad is reluctant--doesn't want to 'risk' the house (although he's already got a $115K home equity loan signed out). I suspect the longterm solution is that my brother and I (who are going to pick up the monthly loan payments) will wind up funneling money to my Dad when it's needed--which, good news, means we will get to keep the house (and thus get some financial reimbursement)."

And from a subsequent post:

"As the reverse mortgage was laid out to us (and the agent in question does this on the side, not to make a living), my dad could get a monthly sum based on the value of the house, and that we'd be liable for whatever he got (not the entire loan sum) after he passed and the house was sold. Yes, we were aware the equity loan would be paid off as part of this, and yes, we understand that, in the long term, we'd essentially be giving up the house. I'm not sure what you mean by us making payments; I believe the loan is not due until a 'maturity event' occurs ,,,"

Perhaps I was too concerned, but I still do feel that RMs are like financial time bombs.


As to HELOCs, I believe the expectation was to just refinance the HELOC, but that was before the financial crisis. I do know that Chase has made some policy changes since then. At one point I was told by a Chase banker that his branch was no longer granting any more HELOCs at all.

That was during the time that the "Too big to fail" banks were sitting on their assets and not extending as many individual loans. So that position may or may not have been due to the then current economic climate and desire to retain rather than extend assets.

I'm not sure I follow your question:

"wouldn't refinance, not necessarily because of us, but could be an issue with them, with the loan being in parent's name - would they still be in a position at that point to be able to do that? - but just because they had different rules as to where they could finance to and said we were out of their lending area - sorry "

Were you referring to Adam's situation or your own? Could you be a bit more explicit? Were you told your HELOC wouldn't be refinanced because you weren't in that branch's or bank's lending area?

Adam, sorry - sometimes these posts do go off track, but sometimes the diversions can also be helpful to the original issues or to other posters.
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You know as a insurance aside to this but as I'm on the cusp of the 10 yr anniversary of Hurricane katrina & I'm a a group were we're reminiscing...couple of nasty surprises for homeowners with insurance companies:
- if there was any insurance payouts and there was a mortgage, the mortgage holder got all the proceeds first & foremost. Many folks found themselves with a house no longer there with no $$ at all as the $$ went in full to pay off the mortgage. And for more FUN, some mortgage holders placed a early payment penalty on doing this as the mortgage was done as a usual 30 year loan. For those older on fixed income, there was no way to afford to rebuild what they had if it was in anyway a nicer home as SBA limited to about 220K; 150K or so state grants.
My point is that if an event happens - like a fire at the home - the mortgage holder can get the funds first and then you or your parents have to finance the repairs. If repairs not done, the RM agreement is out of compliance. Someone at the point of needing a RM doesn't have the $ to do this or can qualify for funds.
- RM's were called in. We had friends who's parents were in Lakeview in NOLA which stayed flooded 8' - 14' for weeks. If there was a RM, the mortgage holder sent them a letter to the house - which of course could not be delivered initially - asking as to the conditions on the home and what the return date was. Like they insisted on a letter from Sewer & Water Board as to full functionality. yeah rite, we'll be able to do that…. Well all of this was a total crapshoot for compliance and the RM just called the notes in. They knew that there were insurance payouts happening and their goal was to capture every penny of any insurance. If it left the homeowner with zero so what. Not pretty.

The worst off were homeowners who were underwater on their mortgage and underinsured with a damaged home. They mortgage holder captured all the insurance money and they were left with partial home and still owed the final part on the mortgage. They literally found themselves still owing mortgage payment on a lot that was now requiring renovation to new much more expensive standards. If you had a home that was slabbed (house gone but slab or stairs left), it was now requiring rebuilt elevated 18' - 22' BFE. Alot of folks just had to let it be foreclosed upon as no $ to rebuild and their credit worthiness was shot. You can drive around right now on in St. Bernard parish & the MS coast counties especially and see post Katrina slabbed properties still a decade later as there just was & is not the $ to rebuild.
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Igloo572--to your questions:
1. "Try to pin down just how much the RM would actually pay". It's about 25% of the actual value of the house, and that's after paying off the home equity loan. He could get up to about $2200 per month, or less than that and leave the remainder as a line of credit if needed.
2. Insurance-wise, we were told flood insurance was only required if we were in a flood zone (which I believe we are not). A call to the insurance agent would be appropriate...
3. "Dad will be required to pay all the required on the house from day 1 of the RM." Do you mean closing costs, fees, etc? Closing costs are estimated at ~$10K, and he does have that available.
4. We do have some documentation that would allow Stepmom to stay in the house if Dad passes first for a limited amount of time; I need to check the specifics, but there are terms spelled out in writing. Yes, he bought the house before marrying her; it's in a trust that will come to my brother and me.
5. "If dad should ever need a facility and doesn't have the $ to pay for it and applies to Medicaid, the RM usually is income for them and takes them over the asset / income limited for Medicaid." Dad's LTC will pay about $4000/mo for assisted living/nursing home.

All good questions and thoughts; both my brother and I are also talking to our respective financial planners.
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Igloo572--regarding Stepmom:
"She has been balking on paying for things to begin with, correct?" Well, 'balking' is probably too strong a word. I think she has been under the impression Dad's been a bit frivolous with his spending, but, looking at his checkbook and charge card, I explained I don't think that's a huge problem (although they could probably cut back on landscaping costs).
"She has her own dementia and competency issues, correct?" Yes, but probably to a lesser extent than Dad.
"What would that do financially for them as they are married." She's also got LTC, for about $4k/mo, which ironically would include in-home care (that she doesn't need).
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AdamBravo - by the "required" I mean the items that the RM does not include in the loan that they (the RM) requires the borrower to pay for on their own. Like taxes, maintenance, upkeep of the property, repairs, insurance (if not folded into the RM and that is usually the most expensive insurance option…..).

What had happened with RM's (and why the feds have restructured the eligibility on those that are federally backed) is that RM were being done on properties that were over appraised and with borrowers with limited income. RM was a band-aid on a much much bigger financial problem for the elder. The RM $ was maybe 50% of a crappy but over appraised house with decades of delayed maintenance. The RM doesn't care as it;s federally backed so if that sucker sold for 50K and the loan out was 100K the feds (& taxpayers) paid the difference. It was in the RM's interest to have defaults as the RM got their $ quicker. Often the homeowner defaulted on the terms of the RM as now the RM sent out a company to do an evaluation on the home after loan issued and finds deficiencies that the homeowner is responsible for paying as it's part of the "required" on the property. Like they drive by and do a deficient roof report and owner has to get roof repaired or replaced and if not they are not compliant for RM agreement and loan gets called in.

New rules now require the borrower to show they have the ability to pay for normal costs on the home and if they don't have the income then they do something like an escrow account for 3 years (I think it's 3) for what those costs should be in order for the federally backed RM to be approved. The federally backed ones now have all sorts of safeguards like house has to be appraised but are harder to qualify for.

You or bro may want to check out the LTC costs in your area and what their polices are for LTC insurance acceptance. My mom;s NH would NOT take LTC insurance at all as the reporting required for the various companies was paperwork heavy and morphing (like having to detail staffing patterns and level of education of staff). Biz office manager said really a total butt-rash and when they figured out staff time taking Medicaid - even at low TX reimbursement rate - was a better deal financially. 4K a mo on a 14K monthly private pay NH is still over 100K annually to come up with for possibly years & years. I'd run the numbers on the RM costs at 2 years & 3 years to see what $ could be there to pay what LTC insurance won't. RM seem to spiral in fees to the point that it's a loosing situation for heirs to pay off the RM to keep the house. I hope they have a good LTC that is simple to benefit from.

Also check to see if it needs to come out of the trust for RM to be done.

Stepmom has a usafruct? or something like a usufruct? We have those in Louisiana and they can be sticky if the later wife decides to just not move, the heirs just have to underwrite the costs on the property if she won't sign off differently. You see it a lot in beach & vacation houses where Dad does a usufruct for later wife but he can tell kids that "of course they will inherit the house". And she literally can have first use on it till she decides differently and they have to pay for all or settle with her financially.

Out of curiosity, how do your wives feel about Dad & his wife and your spending time & $ on them & the house? If your wife or brothers wife takes the stance of quid pro quo that if you doing this for your family that means you do it for hers too, is that an issue?

and last….do you care whether or not you get the house? if at the end of all this, there is no $ left and no reimbursement is the risk such that not an issue?
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Good heavens--I had to look up 'usafruct'... ;) As far as the numbers, the costs on Cape Cod are far less than 14K, but, yes, we know there are various hidden costs. My brother's wife and my partner (we'll probably get married one of these days) seem to be ok; my partner's dad has passed and his mom is in a nursing home (and well-taken care of). And, no, we don't care if we get the house--at least, at the moment.
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