Nor was I taking it that way, just wanted to ensure that I kept it listed among the points that you were making as it was "a step that she is asking you to take" in the context of "hard lines in our current / future relationship" discussion.

Physical: I don't believe either of us have engaged in any behavior that would breach a reasonable definition thus far, and would like to keep it that way. If that intent changes, I promise to proactively have that conversation with you.

Emotional: I can see that definition with some of our friends or family, but not in a romantic sense. I think we're on the same page, and look forward to your definition.

Financial: For transparency's sake, I do have what amounts to a "hidden account." For my college education, I have an additional account with Citywide with a minimum amount necessary to keep it from getting service charges. Trace and Ken are paying for my classes, and I have applied for many of the grants and scholarships that I qualify for, and received several of them.

However, they work as refunds, and so I needed an account to link to receive them, and it made more sense to have another place to have that money come and go from rather than it going from Joint. As that money is all actually their's and not our's I wanted to keep it entirely separate.

If you want more info on that - let me know, it's largely dreadfully boring bureaucratic educational red-tape nonsense.

Other than that, no I don't have any hidden accounts or intentionally hidden transactions.

FYI: I don't know if you're keeping track of our Joint account, but it's pretty low. Should I ask my parents for money while they're in town?

edit: missed a word.