Thanks for taking the time to respond. And I know I should have done this first and saved people, including myself, the time but I sent a text to B, the other friend mentioned and asked him to call me. I figured there was just a sliver of legitimacy in D's request. Turns out, it IS legit; B confirmed that he has power of attorney and that D does in fact want me to act as co-signer or back-up. So- an awkward request for legitimate need. Sorry to waste your time.