A woman's husband dies.

He had left $30,000
to be used for an elaborate funeral.

After everything is done at the funeral home
and cemetery, she tells her closest friend
that "there is absolutely nothing left from the
$30,000."

The friend asks, "How can that be?"

The widow says, "Well, the funeral cost was
$6,500. And of course I made a donation to
the church -- that was $500, and I spent
another $500 for the wake, food and drinks
-- you know. The rest went for the memorial
stone".

The friend says, "$22,500 for ... My goodness,
how big is it?"

The widow says, "Four and a half carats."