That is great advice from sandi, and something I hadn't even thought about before. I guess we don't really know what this "loss" is exactly that they would loose.
Me 26 H 25 M 4 T 5 Baby born 4/14 BD: 1/15 EA: 2/15 PA: 4/15 reconciling: 4/15 ILYBINILWY- 11/15 ILY-1/16 ILYBNILWY 4/16 ILY 6/16 ILYBINILWY 6/16 Baby due 3/17 BD 8/16
