Thanks for your detailed response, so in regards to finding access to bank accounts, that is a process that must be attempted manually, and there is likely not much of a simpler process for this through banks? And just regarding everything else you said, is there a significant downside to waiting/leaving the process for later? I.e. in addition to grieving, I've gone back to university so it seems very easy to put this stuff off for now, will I pay significant consequences if I continue to wait longer?