Kate thinks if the separation becomes permanent, she will be able to pay the debt with the 50% her best friend told her she should get from a property settlement with Mark. What Kate didn't tell her friend was Mark's mother is guarantor on their mortgage. Kate asks if Mark can attend the next appointment because he wants to see how she is trying to manage her financial situation . What is your response to Kates's request to include Mark in a financial counselling session with you?