In reading the email, I have to say that the email was respectful and included both of your names. Next time, just don't include From, Sent, To...best not to do so here. To protect everyone.
One question....is this account W's only as the primary? Or was that a joint account? Was any of your money in this account at all (or still is)?
To me, that gives away all of your leverage as far as the annuity goes.
