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I just got a response (only sent last night, I'm impressed) from T-Direct on beneficiaries etc: Give this one some recs, please, so folks notice it.

TreasuryDirect accounts must be set up in one person's name and social security number. However, an account owner can buy and hold securities in various registrations in the account. There are three ways to register securities held in a TreasuryDirect account:

Sole Owner: Only one individual is named as owner. The Sole Owner may grant View rights to any TreasuryDirect account holder.

Primary Owner (with Secondary Owner): Two individuals' names are recorded, separated by the word "WITH." For example, "John Doe SSN 123-45-6789 WITH Joseph Doe SSN 987-65-4321." Here, John Doe is the Primary Owner, and may grant View or Transact rights to the second-named registrant, Joseph Doe. Upon the death of either the primary or secondary owner, the survivor is considered the sole owner of the security.

Beneficiary: Two individual names are recorded, separated by “POD” (Payable on Death). The first name designates the owner and the second, the beneficiary. The beneficiary will become owner only upon the death of the original owner of the security. For example; "John Smith POD Jane Smith." "Jane Smith" is the Beneficiary. "John Smith" is the owner and controls the security during his lifetime. He may grant only View rights to the Beneficiary.

Adding a secondary owner or beneficiary is simple in TreasuryDirect, but please be aware that while you can edit any securities being held in Current Holdings, you cannot edit savings bonds held in your Gift Box. (You can't buy marketable securities as gifts.)

Your electronic savings bonds and marketable securities may be registered in your name alone, your name with a secondary owner, or your name with a beneficiary. Each registrant's social security number must be shown.

To add a secondary owner or beneficiary to your securities:

Access your account with your TreasuryDirect account number and password.

Click the Manage Direct tab at the top of the page.

Under the heading “Manage My Securities,” click Edit a registration.

On the “Edit Security Registration” page, choose the security type you want to edit and click Select.

On the “Summary page,” choose the security you wish to edit and click Select.

On the “Detail” page, select the registration containing the secondary owner or beneficiary you desire from the drop-down menu. (If you've never created the registration, you can do so by clicking Add New Registration. Once you've created the new registration, the system will bring you back to the “Detail” page where you'll find the new registration listed in the drop-down menu.)

Once you've selected the desired registration, click Submit to complete the change in registration for the security.

Repeat the above steps to edit any of your other securities.
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