@BobKamman you hit the nail on the head... If someone passes away with a $500,000 home and $100,000 in a certificate of deposit, a 6% contingency fee applied to the assets, assuming the total amount of the assets would be subject to it , would be $36,000... If that same person with that same home had $1,000,000 in that certificate of deposit then the fee would be $90,000... Was there that much more work involved with the cd account? ...I don't know... I am just wondering ... Just my opinion...