pw:<P>My first suggestion would be for you and your husband to start marriage counseling with Steve Harley (over the phone), or to call Steve and find a counselor in your area who is familiar with the marriagebuilder concepts. You have a very difficult situation, and it's not going to be easy to get through it without professional help.<P>Now, onto the free advice.<P>Your husband is lying to you. This is probably your biggest hurdle at this point: you need to create an environment where you two can be completely honest with each other. I would suggest that you discuss Harley's rule of "Complete Honesty" with your husband (give him info from the website, or order "Give and Take" as well as "Surviving an Affair"). You've got to stress that honesty is the most important thing for the two of you right now. From your standpoint, if he's honest to you with information that you're not thrilled about (he's calling her, he's seeing her, he's madly in love with her), you must remember to thank him for the honesty. NO LOVEBUSTERS!!! That doesn't mean that you can't be hurt or angry, but you cannot respond in a way that punishes your spouse. If he's not being honest with you to protect himself---you don't want to give him a reason to feel that he NEEDS to protect himself. If he's lying to protect you---he needs to realize that ugly truth is better than ugly truth covered with a candy-coated lie.<P>Once you discuss the rule of Complete Honesty, you're on to the next subject: the Policy of Joint Agreement. Both of you should understand it and should know how to apply it. If you can't come to a mutually enthusiastic agreement on an issue---you do nothing. You come back to continue brainstorming, but one person should never go ahead and "do" something. If you can eliminate those thoughtless behaviors, you'll be able to heal the marriage more quickly.<P>As to the specifics of how to arrange a settlement between you, the OW, and your husband; that's a great test for the POJA. It looks like both your husband and you have ideas that aren't too dissimilar. I suggest that you sit down and discuss them in detail, and make a plan that you both can stick to, with "verifiable" checkpoints. If you and your husband do this together, as a united couple, you'll rebuild your marriage more quickly.