I called Kai Wessels. He seemed a little snotty on the phone. (The first thing out of his mouth was "ARAG are idiots".) It made me a bit nervous. So, I asked my co-worker, David. His father is a lawyer and deals with wills and is located right in downtown where-I-live. He's not in ARAG network, but I think it may be better to go with someone in "my" network instead. Besides, if David's dad is anything like David, it'll be a pleasure dealing with him. I sent him an email. David said he'll be out of town from this weekend through next week. I said that there is no rush. I'll see if Mondays in the middle of the month works for him.