Prior to an evidentiary hearing before the special master, Edwards filed a petition for voluntary discipline admitting his conduct and his violation of Standards 22, 44, 63, and 65. Citing mitigating factors of depression and his good faith effort to make restitution, Edwards requested that he be suspended from the practice of law for six months. The State Bar responded that it did not object to Edwards' petition. The special master recommended that this Court accept Edwards' petition. The review panel agrees.