I have locked all accounts except these. So she needs to get a D to get say 50% which is fine. I will continue to give her unofficial 'maintenance'. I think we perhaps need a grown up chat - i.e look, this can't go on. How much do you need? Then get it formalised. Can't see another way around it really. Problem is I am not sure she will engage, she might just go hostile, but if she wants to D then she needs to start moving it.