The research was funded by the Medical research Council and the Wellcome Trust so it could be better understood how to best take care of hospitalised infants, especially premature babies.

But the income gains the company recognized from the mortgages were illusory — offset by interest expense, notably the cost of administering the trusts, which make regular payments to investors.

Trusts let you customize the distribution of your estate with the added advantages of property management and probate avoidance.