YAY!! Slopeydope!! At last another theory that is so devillishly nasty as to make me look nice!!! I'm SO happy! (Wait for the outcry mate! I pity you- I'll try to defend you 'cause I know what these McCarthyesque reactions are like.)

Lily a werewolf... ???? Why not! But if Lupin was in love with Lily AND made her a werewolf, he used strange langugae don't you think?? If I did something like biting and infecting the person I loved, I wouldn't say stuff like "She was there when no-one else was" . His language was about himself.... ????
Naaa. I reckon Lupin's the one that , either just before or JUST AFTER he "talked to Lily when there was no-one else", did something REALLY stupid- all about him and HIS love

I swear the line about Lupin, Dumb and Snape being accomplished occulencys is in OotP. I'm reading it to my kid in prep. for HBP so - going slower this time - I'm determined to find it. It's one line, with no particular context, which is why I can't find it again. If anyone out there can help me I'll... love you forever and be really, really thankful and impressed!