Shelter from the Cold

Valerie looked puzzled. "Wills?"

'Did Sylvia already have a will?' she wondered.

Donovan nodded. "She made it a long time ago."

Although Sylvia did not have many assets left in her own name, most of them having been transferred to Richard, the funds and trusts she held were still worth a considerable amount.

She also had a house, a car, and some steady investment payouts in her name.

All together,