OK, so a more distant approach is better then? Don't need to validate how she's struggling?
I will need to explain what to do with the finance form.

No phonecalls at all; haven't had a phonecall from her for over 4 months now.

Me - 36, W - 32
No kids
T - 8 yr, M - 3 yr
Discovery - 14 May 2019
S - 25 May 2019 & D bomb - 29 July 2019
D & House sale final - Feb 2020