Not much to add except to ditto lots of the pps...you made a lot of mistakes this time around and will hopefully learn from them and change your way of doing things in the future.

I will say though that if I ever start taking a deposit of any kind--refundable or not and especially if its purpose is to cover the last weeks of care--I would put it aside in a special savings account and not touch it until those last weeks of care. Doing otherwise just seems to set one up for trouble. Besides...isn't the point of the deposit to guarantee income during those last weeks, or if the family decides to leave without notice? So...shouldn't you save it until you need it?

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