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We haven't minded your taking some time for yourself".
Say: "Nanny, we are so grateful for your taking on these extra duties.
It is akin to your taking a weekend job to paint this guy's apartment or walking his (paint-spattered) dog.
We appreciate your taking the time and interest to try to clarify what has happened in our correspondence with McIntyre.
There is another, more potent, argument against your taking these jobs: doing so chafes your own scruples.
In any case, your taking this job is not akin to sneaking into a local I.T. firm and squirting Krazy Glue into its door locks.
But this would not preclude your taking responsibility for your actions, a moral imperative expressed around the agora -- was it by Socrates?
And so, assuming you are honest in your loan application and meet the eligibility requirements, there's no ethical bar to your taking out this loan.
Had he proposed your taking over his mortgage payments in exchange for an eventual share of his house, I suspect that you would feel less squeamish.
It is more likely, of course, that your umbrella was exchanged inadvertently, and so your taking an equivalent one provides a kind of rough justice.
The usual measure, U3, measures your desire to work by asking whether you have been actively searching in the recent past; it measures your ability to find work by your taking a job, any job.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com