You are very close to where I was about 15 months ago. I finally did it, with a letter. As you might guess, the response was not completely positive! Just be prepared, once you make it clear that things have to change, you might end up being the one to change them. It might not be what you hoped for, but in the end, I think it will be what needs to be done, whatever that turns out to be. HUGS!
