I need to clarify something...I am a high school teacher! I am not her riding instructor. Sorry, forgot there was an overlap here. She and I always talk horses at lunch, so I'm sure she just thought this was part of that conversation. I have known her family for quite some time (small town and we all grew up here) so honestly I'm not surprised. I originally knew her family in the dog world and they were very decietful breeders in that venue. The grandma was excused as a 4-H leader for her behavior so ethics are not necessarily a family value.
I like the 80% responsibility number. It still puts some responsibility on the buyer, but not an equal amount.
I'm sorry for not being clear about my relationship with the student. You all thought riding student, I was thinking classroom student.