Steelers, I don't know what he meant. The spreadsheet showed everything (from Dec-June 2006), the amounts he paid for the bills and the amounts I paid. I tried to be as clear as possible. Maybe the large balance made him so nervous that it was hard for him to accept. Plus he may have thought he paid much more than he did.
I still have not responded. I think this "face-to-face" will either make or break the M. I am confident we will work it out. I see this issue as our opportunity to show each other that we can make it, with God's help.
Yes, thanks - I will be calm when explaining. Just need to remember all the details for him.