Here's my update. Tuesday D19 texted me that she'd lost her $106 bus pass. I texted back "life suucks". She got a little upset at that remark. I told her that I understood she was upset but I was not thrilled to be out $106 either but life goes on. She then bought herself $50 worth of transit tokens out of her money (very responsible decision)...and then two days later found her bus pass. Today a cell phone company calls and she owes $200 on a phone she stupidly took responsibility for on behalf of a friend who didn't have a credit card. To cancel the plan will be $400 plus the $200 amount owed. She has talked to her friend in Hong Kong who says she will take care of the issue immediately...the same friend who in six months did not ever call the company to transfer ownership of the phone. Why did I have kids again?