True, but perhaps the Citibank staff might have handled it better and been a touch more tactful a death in the family is traumatic enough without needing an uncaring disinterested bank officer giving you the “do I look like I give a fucuk” attitude hehehe.

Holy heck. This has been an excellent and informative discussion.

I’ll need to list all the bank accounts and details down and organise our title deeds and other investments into an excel sheet.... ain’t gonna live forever, and by that time, wife (if she’s still alive) will be as old as trees, and probably just as dumb from dementia. Gotta make things easy for her. Or me, if she kicks the proverbial before I do.