“The plans were meant to help protect your position.

They don’t erase a secured loan by themselves.”

That was an answer I could use.

Life insurance required claims and verification.

A trust required valid documents, assets, and administration.

Money belonging to Leo could not become a reserve I used for my own bills because I might eventually care for him.

The papers suggested Simon had understood those distinctions and tried to organize them.

They did not tell me every obligation was already satisfied.