I have posted this a couple of times, but think it

I have posted this a couple of times, but think it is important-I suggest you set up a beneficiary for your UNVC account with your broker. Anything could happen to any of us and someone should be able to access your account-you may have millions sitting in there. I called e-trade and they sent me a form-we filled it out and mailed it back-I called e-trade and they said we were all setup. JMO