A woman's husband died. He had $20,000 to his name. After everything was
done at the funeral home and cemetery, she told her closest friend that
there was no money left.

Her friend asked, "How could that be? You told me he had $20,000 a few days
before he died. How could you be broke?" "Well," the widow said, "the
funeral cost me $6,000. And, of course, I had to make the obligatory
donation to the church, so that was another $2,000. The rest went for the
memorial stone."

Her friend gasped, "$12,000 for the memorial stone?

My God, how big was it?"

The widow answered, "Three carats."