Ms. Sue you do not know me and I do not know you. I am not a cheater because I have a lot going on in my life. My husband has stage four cancer and I am trying to finish school and also take care of my two small children. I watching my husband die in front of my eyes and that is taking a toll on me and this is why I asked for help.
Betsy, unfortunately you didn't ask for help; you asked for answers ... with absolutely no indication of what YOU THOUGHT about each one.
Be sure to let us know YOUR THOUGHTS about each question if you decide to continue to post here.