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but were afraid to ask: 
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A woman's husband dies. He only had $20,000 to his name. After everything is done at the funeral home and cemetery, she tells her closest friend that there is no money left.
The friend says, "How can that be? You told me he had $20,000 a few days before he died. How could you be broke, already?"
The widow says, "Well, the funeral cost me $6,000. And of course, I had to make the obligatory donation for the church and the organist and all. That was $400 and I spent another $400 for the wake, food and drinks, you know. The rest went for the memorial stone."
The friend says, "$13,200 for the memorial stone? My God, how big is it?"
The widow says, "Three carats."
The friend says, "How can that be? You told me he had $20,000 a few days before he died. How could you be broke, already?"
The widow says, "Well, the funeral cost me $6,000. And of course, I had to make the obligatory donation for the church and the organist and all. That was $400 and I spent another $400 for the wake, food and drinks, you know. The rest went for the memorial stone."
The friend says, "$13,200 for the memorial stone? My God, how big is it?"
The widow says, "Three carats."