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Thanks everybody. Nobody broke any laws, nobody's personal information was printed or hinted, and the subject is absolutely not me. A person who I met and who is interested in obtaining their LTC asked a question. They are not obligated to take what I learn and I do not offer legal advice. They are looking for information and I offered to help. So if you don't want to help, then be arrogant with some other person who will put up with it. I am not that guy.
Wayne, dial it back and take a look again at what was put here. It's good advice. This forum is read by a lot of people. You're not doing your friend any favors by asking questions where people who may not have his best interests at heart can see. It's a legal question and it could affect his suitabilty. He needs to talk to a lawyer before doing anything else.
We ARE trying to help.