Sheila, if at some stage in the future Ray and if he is married need residential care they could be forced to sel their home to finance the cost of such care. All very annoying as people who haven’t contributed a penny to society can be given free residential care, it just isn’t right but that is how it is. It seems as though Ray has put his property into Trust which, hopefully, will mean he doesn’t need to sell it to pay for care, I think this arrangement needs to be in place for at least 7 years.