“One of those forms was a complete power of attorney, giving him permission to act as her agent.“The next year we found out he had taken multiple ...oans, using the horses as collateral. Some of the horses had been used as collateral on as many as five different loans. He had also borrowed money against the farm itself.“In just a year’s time he had drained every bank account, including all the savings mom and dad had accumulated. Mother owed well over a million dollars by the time she realized. She was funny and always had a good comeback; while she wasn't in the best cliques, she was certainly well liked.Ken and Helen started going out, and after seeing them together for a while, it made me realize that I wanted to ask Gemma out. However, before I did, I decided to ask my mother about it."Mom, how do I ask a girl out?" I asked her."Are you interested in someone in particular, or is this a hypothetical question?" she asked."Gemma," I told her.My mother had met Gemma when she had been. More

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