Was Called a Gullible Moron Today

I vote for the latter. No matter what he may have thought about the donation, he was rude. What he said to you reflects more on him than it does on you.

I'm not sure if you mentioned how old he is or his cognitive state, but sometimes older people lose their social filter and will blurt out what they really feel.

He is 79, almost 80. Grew up living on the west coast, son of a commercial fisherman father, and nurse mother.
 
Solving problems is what I do. The OP was looking for a way to solve the problem and I provided one as requested. ;)

And clearly here the issue is incomplete requirements definition: keeping the girlfriend was not listed.
 
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