I don't believe in ghosts. Besides, our social circles are in two different countries, our finances are divisible, our pensions are separate, we don't have kids. And we don't intend to.
[pen] you have it covered, then. Nevertheless, separate finance and pensions are not immune from vindictive ex-wives (or husbands for that matter) when it gets to court.
I saw that England had got noticeably cooler over the past couple of days. Temperatures are still holding up on this side of the Narrow Sea. 13C this morning, blustery, showers expected. Must.... buy... thermals....