The guardianship account continues to be a resource because, at all times, Ms. Dalton
owned it and had the legal right to use it for her own support and maintenance. The
delay in appointing a new guardian who could access it within 20 days does not remove
Ms. Dalton's right to the funds.
In the case of the savings bond, neither Ms. Marbel nor anyone acting on her behalf
had the right, authority or power to redeem the bond for cash until 6 months from
the date of issue.