Mine cost her twenty-eight dollars.

Both are revocable any time you like.

Neither gives the beneficiary one single right while you are alive.

There is no downside and no lawyer required and almost nobody does it.

And then — this is the part I go to the senior centres to say, and it is the part they do not like — tell them.

My grandmother did everything right in one morning in August 2016 and then told nobody for eight years, and what that bought was eight years of her being asked thirty-one times, alone, in her own front room, by a man she could not say no to without writing it in a notebook.

If I had known in 2016, he would have stopped asking her and started asking me.