Because, ypresmasta, the conversation goes something like this: Caller: Hello, Mr G? Mr: G: Yes? Caller: I'm an 91-year old woman, on a pension and I have $300k which I need to invest. Could you give me your opinion as to which long term investment might suit me? Mr G: A mere baby, a mere baby. Now, is it for yourself or for your estate you want the investment? Caller: No, for myself. I have no children or anyone to write a will for. I want to go on a long trip in about thirty years...