This loose-leaf book, the work of a retired estate planner, has fill-in-the-blank pages for everything from bank and stock accounts, to life insurance policies, to family medical history and funeral preferences.
But as the Swiss vote suggests, European governments may find it hard to resist populist calls for a tit-for-tat approach unless they take a leaf from America's book and a draw up a simple, transparent set of legal rules for all faiths.