RAD called me after I left a not so happy message on her voice mail. She said i a very calm voice , mom...mom...I have it under controll. I spent the morning on the phone trying to fix this mess. I went to the bank & got money orders to pay my car insurence & another bill, and I am probably going to close my account when it is straighted out so I can't get in trouble like this again." She was mature about the whole thing. So what do ya know...I think she is learning. Thanks for your replies.