*nods a lot* yes on all counts there. Granny SO needs a better compensation scale for dealing with them, and they could definitely have done worse for a civilizing influence to run into, and she knows All About Not Cackling (too bad she didn't get to Seph in time), and... yeah.
Sorry about the mosquito! ;_;
(Insurance is, er, well. Apparently I have $5,000 of coverage. About half of that is already gone to the emergency sewage removal. With the other $2500 I need to remove the paneling on all the walls, remove the mold behind the paneling, seal the walls, seal the floor, replace the flooring, replace the paneling, and replace the furniture that got sewage-soaked and wasn't wooden and slurped it up like a sponge. That includes a $1200 double-reclining sofa and loveseat set. Somehow I'm not thinking the insurance is going to cover it...)