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Richard:

One element in the equation is that a number of elderly are concerned about LEAVING money to family or charity -- not just their own well-being!

Of course, all too often, large sums left behind to "junior" are just later peed away, but the old folks still want to leave it vs enjoying it themselves!

Vermonter

(NOT leaving a lot behind, because we don't HAVE much to start with, and the kids know it!)
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