You are correct my friend. I just found IHub a month ago. I've been paddling blindly these past 2 years with RCHA with nothing more than a hope and a prayer.
I have much more information at my disposal now. I do appreciate all of you whom have bought and held, This is my mother's home healthcare money, as I promised her I would never put her in a nursing home, and home care is expensive.
She's still in good health, but when that time comes, I knew I was going to have to be prepared to pay the people that would care for her.