[DivaDelMar]

Estate Planners just plan for the worst scenario—2011, unless there has been a stage IV cancer diagnosis or something like that.

[groanup]

Estate Planners just plan for the worst scenario—2011, unless there has been a stage IV cancer diagnosis or something like that.

Of course. And if you don't need all that expensive life insurance, well, I guess you can line the bird cage with your policy. Ain't the income tax grand?