Donald Ferry and Sharon Ferry - Page 6

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            under R.E. Plus, it was petitioners' personal and only telephone                               
            number.                                                                                        
                  Petitioner's parents were working-class people.   His mother                             
            did not work outside the home.  Mrs. Ferry never saw petitioner's                              
            parents give petitioners a gift by cash or check.  Petitioner's                                
            father died in 1989.  At time of trial, his mother was in a                                    
            nursing home.  Petitioner has at least one sister.                                             
                  In 1987 and 1988, Sharon Ferry had the following credit                                  
            cards:  Visa, Mastercard, Strawbridge, J.C. Penney, Macy's, and                                
            Sears.  Although the accounts were in Mrs. Ferry's name,                                       
            petitioner possessed cards with his name on them, which he used.                               
            Sharon Ferry kept a checkbook, which she considered a joint                                    
            account, in the name of Ferry Associates.  The couple had no                                   
            personal joint account in their own names.                                                     
            The Iron Hill Restaurant                                                                       
                  Petitioner was involved in a restaurant known as the Iron                                
            Hill Restaurant and Lounge (Iron Hill).  As is true of much of                                 
            this case, the nature of petitioner's involvement is unclear.                                  
            The legal form of any entity or entities connected with Iron Hill                              
            is also unclear.  We do the best we can, given the state of the                                
            record.                                                                                        
                  Iron Hill opened in 1971 or 1972.  Wayne Wilberding was then                             
            the owner and president of Wayanne, Inc. (Wayanne), trading as                                 
            the Iron Hill Inn Restaurant.  Wilberding met petitioner in 1981,                              





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