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The idea being tested is how funds are categorized for education and retraining needs. Education funds are designed to cover learning costs, so they can be used for a child’s education or for a surviving spouse to pursue retraining to re-enter the job market. This targeted purpose distinguishes it from other categories: bequests are inherited gifts left by a will, costs associated with death (post-mortem) cover funeral and related expenses, and retirement funds are meant for living expenses during retirement rather than education or retraining. So, when the goal is to provide for education or a spouse’s retraining, the appropriate category is education funds.