A woman's husband died. He had $20,000 to his name.

After paying all the funeral expenses, she told her closest friend that there was no money left.

The friend asked, "How can that be? You told me he had $20,000 a few days before he died. How could you be broke?"

The widow replied, "Well, the funeral cost me $6,500. And of course, I had to make the obligatory donation to the church, pay the organist and all. That was $500, and I spent another $500 for the wake, the food and drinks, you know. The rest went for the memorial stone."

The friend asked, "$12,500 for the memorial stone? Wow! How big was it?"

The widow replied, "Three carats."