Harold died not having left a Will. At the time of death he held the following assets: city apartment worth $400,000; a listed company shares worth $400,000; bank savings of $10,000; and other household items worth a cumulative total of $20,000 Harold also had a mortgage attached to his city apartment of $200,000, and a life insurance policy secured on his life which paid into his estate an amount of $200,000. Harold legally married Wendy in his early twenties but separated shortly thereafter but not before the birth of their son, Charlie. No formal divorce was obtained. This was 20 years ago and Charlie is now an adult