Binko,
I think what Ed is saying is you better have it spelled out in a will (all legal) otherwise after you are gone there can (and probably will be) a fight for Shirley. Not saying your kids would do that but if it is in writing then there is no fighting for the $ . So pay the bucks to get it written up and allow your family not to be fighting over things that you never thought they would. I know, I've been there and done that. Eric