She could have changed it at any point in those eight years.

That is the thing about a POD designation — it is entirely revocable while you are alive, it takes another ninety seconds and another one-page form, and a person who had a row with her granddaughter at Christmas could undo the whole thing on the Monday.

We had two rows in those eight years.

One of them was bad; it was in 2019 and it was about a man I was seeing and she was right.

She did not change it.