Thanks much nit, going to read through this thread.
I have to add one more thing for anyone with an independent parent still living at home with early dementia. Watch the mail. This is where it starts.
Direct mail targets the elderly. She was on every list, played every game, upped the ante with prizes and games and moved up to the response list and got bombarded with more. I cannot explain the heartbreak when she would call and say she won a million dollars, and all she had to do was send in another form. I felt like such a kill joy telling her mom, no. She gave her meager social security to direct mail pitches, she gave the money I sent to supplement her. I called the state attorney general, better business, got her off lists but they alway found her and she always responded. Just another piece of the dementia nightmare, and big warning sign.