When I get the time over the weekend I'll sit down and go through it with a fine toothcomb. In these cases where there's confusion, you have to be very pedantic. Starting point is the law. Do you think she went to a tax accountant or tax lawyer, or if, after a few glasses of wine she and Phillipa set up the Association online which, I saw, is possible? Surely she wouldn't be so stupid! Obviously it's cheaper online. I wonder whether IJ went to the accountant, was told about the mess, then Phillipa as media manager just changed the patreon wording thinking that no one would notice? I knew someone who went bust doing much the sane thing, bust to the tune of $5 million and she was only in her early 20s! She was saving accounting fees and tried to manage the accounts herself!!