I forgot to mention:

a) Inasmuch as, if my memory is correct, at the death
of the survivor of Mommy and myself there will be NO probate assets,
settlement of the estate should require nothing more than two
death certificates. I can think of no reason why either testate
or intestate probate (filing in probate court) should be necessary.

b) disposition of accounts in joint ownership (Cambridge Trust Co
#46-505-401) will be goverend by the joint ownership.

c) disposition of accounts payable on death to KBM(Bank of America,
TIA CREF, Cambridge Trust Co., second account) will be governed by 
designation in the account itself.

d) disposition of assets in trust, (retirement/Keo/IRA, shares
of beneficial interest 174 School St, (10 shares each for EJM and MM,)
Konnarock (25 Shares for EJM) will be governed by assignments filed
with each trust, or absent such assigments by statutory descent
(all assets to KBM)

e) there are assigments of trust assets (which I can't find now, 
but which may or may not be found among my papers) to EJM and
MM Estate Trusts, respectively. These estate trusts contain provisions
which will preclude any estate taxes by diverting estate taxable assets
into a charitable family trust. Ask me for details if you have questions.