How exactly is she going to deny insurance coverage with no evidence? I mean, good on you for having 0.2% safety instinct (obviously not passing grade), but you've not done your fucking job. Until he confesses, it's all conjecture.
You were a class topper?? Sweetheart. Did we suddenly forget how to function without a man? Don't get me wrong, I love the ML, but damn, Don't reduce him ro the only functioning brain cell on the team.