I have never really though about the drafting of an estate...but that's a really excellent and succinct explanation of the obligations owed to the use of the FRN. I was trying to explain some of this to my little brother the other day. He is definitely a casualty of cognitive disedence. I just let it go and figured I'd pave the way to prove the truth. We are Missouri boys and the show-me or shut up is kinda inherited