Lotta B. Buchs married shortly after her 40th birthday to handsome and rich gentleman named Jon Simphal, a man of age 20 years her senior. They lived lavishly for the next 10 years, mainly on invested savings from both of their earlier investments, when a sudden and unexpected shark attack ended Mr. Simphal's life. Fortunately, Mr. Simphal expected he would not be around to take care of Lotta in her golden years, so years ago he purchased $2 million in bonds and stocks to financially help her through her elder years. She received these investments shortly after his death-just in time since their fortunes were basically gone by that time. Lotta remarried shortly after Mr. Simphal passed away. Her new husband, Harry Hadital, was most interested in Lotta's investment portfolio. He quickly noticed the following interesting bonds in her portfolio. 1. Lotta owned $500,000 in bonds with a 5% interest rate. Of these bonds, $350,000 of them had a call provision of January 31, 2019. Mr. Hadital told Lotta that the bonds no longer would pay interest since the call date had passed and that he would do her a favor and redeem them if she endorsed the bonds over to him. Lotta had not received anything from the company stating the callable bonds were redeemed. However, she was feeling poorly that day and considered his offer to be a good faith offer. She quietly thanked her astrologer, Canna C. Things, for sending Mr. Hadital to her. 2. Recently, Lotta received a letter from Angus Are Us, a cattle futures company in which she owns 500 shares of stock at $28 per share. The letter informed her that there will be a stock split on March 14, 2019 of 2 for 1. She is elated, since she and Mr. Hadital are planning an expensive 30 day ocean cruise to Iceland on March 31 and they need the money. Upon strong encouragement from Mr. Hadital, she plans on selling 375 shares of this stock to pay for the cruise, which costs $10,000. She will sell the shares on March 20, 2019. After Lotta endorsed the stock certificates over to her husband, he stated he would take care of the sales by calling his broker, Ima Krook, who will fix everything up neat and tidy. After Mr. Hadital leaves for the broker's office, Lotta begins to wonder whether she did the right thing. She calls you, a soon to be graduate of a prestigious university, to look things over for her.