Lisa — I entirely agree. Thank you for laying out the baseline numbers; I think it’s important we model from a consistent full picture.

On Mom, one concrete suggestion: allocate the $3,000/month toward her $5,500/month assisted living, and then split the remaining $2,500/month 70/30 (consistent with the 70/30 framework). In the bigger picture, we’ve estimated the remaining total cost on the order of ~$250k, so it’s meaningful but finite, and I think the model should treat it explicitly.