and what if it is husband's fault? I don't think, if the husband treated her nicely, she would like to divorce him out of the blue.. what if he doesn’t treat her well, tough with her, leaving her alone all the time, shouting, or even worse, hit her?
does she still need to pay him back? how about HIM paying her for the emotional (and possily phyical) damage?

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"What lies behind us and what lies before us are small compared to what lies within us."
Oliver Wendell Holmes