OP, I am not at all jumping on you for having a "know it all" attitude, your brother could very well be an idiot, reading between the lines, I'm guessing he probably is- my other post wasn't suggesting that you owe him an apology, you probably did nothing wrong, but because of the dynamics, and because of a personality -I'm guessing -of poor planning, grand schemes that do not work out, hopes of get-rich-quick...that he is going to be defensive and then blame you for raining on his parade or trying to warn him- rightfully so, since your husband has experience in this field...so, even though you might not be in the wrong, sometimes you just have to apologize anyways, for the sake of family relations. It does stink, I know, I've watched family do stupid things but had to stand back because they do not appreciate wise counsel.