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