Olivia knew exactly what kind of people Tracy and Betty were.

All this talk about borrowing money? They really meant taking it for free.

Over the years, they'd borrowed plenty from Aunt Carol and never paid a dime back. When Uncle James was critically ill in the hospital and desperately needed money, these two just stood by and watched. Olivia had burned that memory into her brain.

She wasn't about to play Mother Teresa!

Tracy was trying to wiggle out of writing an ...