I know you've witnessed a lot of suffering and have experienced great loss in your life, dear Bernie. I'm so sorry it's been like that for you. Thank you for this thoughtful article. I know I need to be more diligent about this. I've had brief conversations with one of my children and have given her some of the paperwork-related info, but I ought to get everything sorted and finalised. Thank you for the reminder about how important that is.