Judy:
Your kids are lucky that they had you to help. Most importantly it appears that they have a VERY good bank. Lots of banks just throw their hands up in the air and it's just "oh well". The help their bank is providing is fantastic. I just hope they get through this alright and can start over without problems. Your advice to change all passwords was very good. I don't care what password it is it needs to be changed 'caus you never know what the scammers can come with.

Garry