I can be a knucklehead and am forgetful at times when it comes to things like this for myself. I empathize with you, and only made that "note" to myself, and others here, regarding our own planning for ourselves. I hope you understand it was not a criticism of you. I had years of doing "damage control" whilst following up on my own elderly parents when they were still alive. I wish a very happy, healthy, and long life for your Mom š