Much to my husband’s chagrin, I use a top sheet, with the pretty side down (so you get into what I call an ‘envelope’), then I put a solid white top sheet facing up. Then, depending upon the season, I put a light summer blanket or heavier and finally a more decorative quilt, duvet or bedspread. The top layer usually…

Kristin, thank you for the interesting article. I have a few points that I’d like to bring to your attention to further understand about this situation, if you can help. We live in a new development in Naples, FL. We are currently on our second or third management company in less than two years and the board, while…