ABSTRACT
Jane, 30 and single, was living from hand to mouth as an actress and waitress when her father died and left her his life savings. The money was tied up in stock, which he had held for years because of the capital-gains tax he would have had to pay if he sold it. Jane, of course, could sell it without paying the tax, but she did not plan to do so, since the value of the stock had just gone down, and she hoped it would go back up.
