Hi Hullguy, sorry you have not had a reply to your post yet. I am so very sorry to hear about your sisters terminal diagnoses, and I can understand you wanting to protect your nephews. Whilst you wait for someone to offer advice here, Can I suggest you call the Macmillan support line on 0808 808 00 00 they are open 7 days a week from 8am until 8pm.
Take care
