Insurance intended to protect us did not cancel a lender’s rights simply because Simon had died.

I could make a plan instead of staring at overdue notices and assuming the only possible outcome was losing everything.

That was relief enough.

Sadie’s benefits and the arrangements for our expected daughter were kept distinct from my ordinary spending and from the money set aside for Leo.

The exact handling belonged to the governing documents and the people administering them.

I asked whether I could move funds between the categories if one account was short.