I received an email detailing the tax consequences of the elder O’Connors gifting the lakefront property to Kelly and Grim, and how that should be structured. I think that would be too much to put into the story; Grim is not a banker. As long as they can use it/sell it/build on it he and Kelly will be happy. I left this alone. This is why I love my readers! I learn stuff all the time. Thanks.