A few years ago,  Allan and I attended a financial luncheon.  We were listening to the conclusion of the presentation while eating our lunch when a woman arrived without her husband…45 minutes late.  She sat at our table and whispered to me “Has he discussed transfer of death benefits yet?”

I looked at her with my fork poised in mid-air.  45 minutes late, asking about the transfer of death benefits, and no husband with her. Hmmmm.

I thought her next question would be “And where can I pick up some Hefty bags and a bottle of bleach?”