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A woman and her friend are sitting together having lunch after one of the women's husband's funeral service. The friend asks the woman if her husband had any life insurance, and the widow answered her. "Well, he had $10,000 in life insurance, but it is all gone." "All gone?", the friend asks, shocked. "Yes", said the widow."I don't understand", says the friend. "How did you already go through $10,000?""Well, it is really not as bad as you think." says the widow."I had to pay $5500 for his funeral and burial, $500 was donated to the church for the service, $1000 was what I spent on his suit, and $3000 was for the memorial stone."Puzzled, the friend looks at the widow and says "That must have been a huge stone for $3000!"The widow answers: "Yeah, it was 3 carats!"