Bonnie-that's the one thing that I've been thinking of. He's been known to make some pretty rash decisions. He put new tires on his truck to make the trip up to me. His old ones only had 20k on them. I never thought about some schister trying to refinance his house. I'll give his bank a call and see if there is anything we can do to prevent that. As to an inheritance, I'm pretty sure that there won't be one. The home will get everything before he's bankrupt.