Xena, You said: "I didn't get it..how did Diveshori get hold of Orangutan's insurance money? How can she claim it?" Please read the last two paragraphs of part 2 of the story. Your assets can be ‘testamentary’ or ‘non-testamentary’. The second one means a will is not required. Many life insurances are non-testamentary. All you need to do to make a friend/girlfriend/boyfriend eligible for this is by signing the bond with the insurance company and the state you live in. Some do it, others don’t. That is why I have used a bogus insurance company name. That’s all the research I did on this. You said: "Ani, why did she ask Mr. Bledsoe this quetions after seeing his ring? “Do you know anyone who works for immigration?” Was she sleeping with him and trying to blackmail him? U should write that instead of saying 'they were friends'. But I guess someone is being polite..ahem :D" This is one of the most clever lines of the story. You need to figure this out on your own. Or, have your own meaning. Explaining that will take away the irony behind it... You said: "Ani adopt a girl from Nepal coz she cudn't keep out with the housework. Dev must be one hell of a dumb woman. As if pretending to raise a kid will make her life easier. " Dumb? I would not think so.