The other 100 disinfection by-products in pool water, if you really want to worry. Some are known mutagens, meaning they cause mutations, which could lead to cancer. But one review found that even with all these chemicals, swimming pool water is about as mutagenic as drinking water.
Custodial Accounts. A custodial account is a bank or other financial account that a person opens for the benefit of another person, called the beneficiary. The person who opens the account is often the custodian -- the person who manages the account -- although it's also possible to name a third party as custodian.
On a joint account with multiple owners, the person whose name and SSN/TIN is listed first is the primary owner. On a custodial account (UGMA/UTMA), the minor is always the primary owner. On a guardianship/conservatorship account, the ward is always the primary owner. On a trust account, the trust is always the primary owner. On an estate account, the estate is always the primary owner. Note: If you're still not sure who is the primary owner, look at your monthly statement. The first name listed on the account is typically the primary owner.