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As said in my previous post sylvday, I discussed the whole situation with my husband (before he was) and that was an option. We decided to take his. Although I don't feel a requirement to justify our actions to anyone, this is nothing but an explanation. I don't want to have an argument with anyone, and I know that from answers, very often other threads appear, but the factual answer provided by rinkytink, was a lot more helpful than some of the others.