| Horse Stories: Nikkel Part 1 By Karen Nelson Last Updated: February 17, 2009 |

| This is the story of my grey mare Niki. I co-owned her with my trainer at the time, and we owned her for a little over 3 years. Niki is the mother of my grey mare Tango, and grandmother to my two boys Dexter and S'Argent. |
| We didn't have anything in writing about the deal, which we probably should have, but neither Sue nor I had enough experience or business sense to foresee issues or to understand that having the agreement in writing would make sense. We just trusted each other to do the right thing and counted on everything going smoothly. |