@Meshelly Maddening. I once had to explain to an insurance rep that the two employees she had lumped under one coverage were not married but were siblings. Took 10 min to get her to to see that the coverage should be separated into two single items, one for each sib, and she kept arguing that the "spouse" of each should be on the same coverage. But she was the one who grouped two people w the same last name as spouses, so she must have thought two Joneses HAD to be a couple, sibs or no.