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  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher-id">IJSTD</journal-id>
      <journal-title-group>
        <journal-title>International Journal of Sexually Transmitted Diseases</journal-title>
      </journal-title-group>
      <issn pub-type="epub">2994-6743</issn>
      <publisher>
        <publisher-name>Open Access Pub</publisher-name>
        <publisher-loc>United States</publisher-loc>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="publisher-id">IJSTD-26-6333</article-id>
      <article-id pub-id-type="doi">10.14302/issn.2994-6743.ijstd-26-6333</article-id>
      <article-categories>
        <subj-group>
          <subject>analysis-article</subject>
        </subj-group>
      </article-categories>
      <title-group>
        <article-title>Policies and the Property Inheritance Rights: the Case of  HIV Positive Women in  Abia State,  Nigeria.</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author">
          <name name-style="western">
            <surname>E.E</surname>
            <given-names>Enwereji</given-names>
          </name>
          <xref ref-type="aff" rid="d1e34">1</xref>
          <xref ref-type="aff" rid="d1e41">*</xref>
        </contrib>
        <contrib contrib-type="author">
          <name name-style="western">
            <surname>I</surname>
            <given-names>Ndu-Agomuo Lois</given-names>
          </name>
          <xref ref-type="aff" rid="d1e34">1</xref>
        </contrib>
      </contrib-group>
      <aff id="d1e34"><label>1</label><addr-line>Department of Public Health, Faculty of Health Sciences, College of Medicine, Abia State University, Uturu, Abia State, Nigeria</addr-line></aff>
      <aff id="d1e41"><label>*</label><addr-line>Corresponding Author</addr-line></aff>
      <contrib-group>
        <contrib contrib-type="editor">
          <name name-style="western">
            <surname>Martins</surname>
            <given-names>Ian James</given-names>
          </name>
          <xref ref-type="aff" rid="d1e166">1</xref>
        </contrib>
      </contrib-group>
      <aff id="d1e166"><label>1</label><addr-line>Principal Research Fellow, Edith Cowan University</addr-line></aff>
      <author-notes>
        <corresp>
      
         Enwereji E.E, <addr-line>Department of Public Health, Faculty of Health Sciences, College of Medicine, Abia State University, Uturu, Abia State, Nigeria, Enwereji, E. E. (corresponding author), Ndu-Agomuo, Lois I. (co-author)</addr-line> , <email>hersng733@gmail.com</email></corresp>
        <fn fn-type="conflict" id="coi-d1e56"><p>The authors have declared that no competing interests exist.</p></fn>
      </author-notes>
      <pub-date pub-type="epub" iso-8601-date="2026-09-23">
        <day>23</day>
        <month>09</month>
        <year>2026</year>
      </pub-date>
      <volume>1</volume>
      <issue>3</issue>
      <fpage>22</fpage>
      <lpage>34</lpage>
      <history>
        <date date-type="received">
          <day>19</day>
          <month>05</month>
          <year>2026</year>
        </date>
        <date date-type="accepted">
          <day>17</day>
          <month>09</month>
          <year>2026</year>
        </date>
        <date date-type="online">
          <day>23</day>
          <month>09</month>
          <year>2026</year>
        </date>
      </history>
      <permissions>
        <copyright-statement>© </copyright-statement>
        <copyright-year>2026</copyright-year>
        <copyright-holder>Enwereji E.E, et al.</copyright-holder>
        <license xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple">
          <ali:license_ref>https://creativecommons.org/licenses/by/4.0/</ali:license_ref>
          <license-p>This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.</license-p>
        </license>
      </permissions>
      <abstract>
        <sec id="sec-d1e103">
          <title>Introduction:</title>
          <p>There are statutory laws, cultures, traditions and policies  in  Nigeria  especially in Abia State, that   govern women’s  right to  inherit  properties  in their names.  The problem is that society enforces these policies that forbid    women’s inheritance rights including  those HIV positive. Study aimed to examine   the extent to which policies and traditions that  negatively influence   HIV positive women’s rights to inherit family resources could be modified to encourage their  sustenance. It also aimed to  assess  views of traditional rulers, as custodians of culture, on how to  change    inheritance rights    of  HIV positive women especially those  widowed, so as  to favour their economic security.   </p>
        </sec>
        <sec id="sec-d1e108">
          <title>Materials and Method:</title>
          <p>  Study was a mixed design that utilized both qualitative and quantitative methods. The sample consisted of all the 98 HIV positive women who are members of  the  network of people living positively  with HIV and AIDS.  Data collection instruments were questionnaire, focus group discussions and interview guides which were administered.  Key informant interviews were conducted with  five traditional rulers in charge of  five randomly selected communities where the respondents came from.  This was done  to  authenticate respondents’ responses.    Data were analyzed qualitatively and quantitatively.</p>
        </sec>
        <sec id="sec-d1e113">
          <title>Result:</title>
          <p>About  85 of 98 (86.7%) of respondents  were denied rights to family resources.   As high as 77 of 98 (78.6%) of women were aware of risks of unprotected sex, yet 54 of 98 (55%) of them practiced it.  Common reasons  proffered for taking  the sexual  risks were financial gains  and  sex partners’ dislike for condom use.</p>
        </sec>
        <sec id="sec-d1e118">
          <title> Conclusion:                                                                                                                                                                                                                                                                  </title>
          <p>The proportion of respondents who  practised unprotected sex  due to economic insecurity,  suggests  increase in HIV prevalence. If this risky sexual behaviour  continues, government‘s efforts to  reduce HIV prevalence would yield little or  no significant result.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 </p>
        </sec>
      </abstract>
      <kwd-group>
        <kwd>inheritance rights</kwd>
        <kwd>HIV and AIDS</kwd>
        <kwd>unprotected sex</kwd>
        <kwd>policies</kwd>
        <kwd>Nigeria</kwd>
      </kwd-group>
      <counts>
        <fig-count count="0"/>
        <table-count count="7"/>
        <page-count count="13"/>
      </counts>
    </article-meta>
  </front>
  <body>
    <sec id="d1e260" sec-type="intro">
      <title> Introduction:   </title>
      <p> In Nigeria, especially Abia State, policies,  customary laws, customs  and  culture  prohibit  inheritance rights to females.  Prejudices and gender inequalities in the  customs place women in a subordinate role   by not allowing them   to possess  properties  like  land, housing and  cash crops  in their names  <xref ref-type="bibr" rid="rd1e7">1</xref><xref ref-type="bibr" rid="rd1e35">2</xref><xref ref-type="bibr" rid="rd1e72">3</xref><xref ref-type="bibr" rid="rd1e109">4</xref>.  Basically,   the society through traditions and policies, encourages overwhelming preferences for male  economic empowerment  thereby, create  gaps , barriers and discriminations against women especially, those with HIV and AIDS.  These   gaps negatively affect  women’s , sustenance.  <xref ref-type="bibr" rid="rd1e137">5</xref><xref ref-type="bibr" rid="rd1e159">6</xref><xref ref-type="bibr" rid="rd1e202">7</xref>.</p>
      <p>  Research has shown that denying widows’ inheritance rights places 60% of them perpetually on economic dependence for the maintenance of their families.  Economic  dependence  results to  the  negative psychological  feelings of worthlessness,  hopelessness, frustrations and  worries  common among  HIV positive women <xref ref-type="bibr" rid="rd1e242">8</xref><xref ref-type="bibr" rid="rd1e269">9</xref><xref ref-type="bibr" rid="rd1e300">10</xref><xref ref-type="bibr" rid="rd1e325">11</xref>.    These psychological feelings    contribute to the limitations HIV positive women have in   disclosing their sero-statuses  even during  sexual  relationships.<xref ref-type="bibr" rid="rd1e357">12</xref><xref ref-type="bibr" rid="rd1e400">13</xref><xref ref-type="bibr" rid="rd1e446">14</xref><xref ref-type="bibr" rid="rd1e464">15</xref>.  This non-disclosure of sero-status could  play substantial roles in increasing the vulnerability of  individuals to HIV infection <xref ref-type="bibr" rid="rd1e501">16</xref><xref ref-type="bibr" rid="rd1e532">17</xref><xref ref-type="bibr" rid="rd1e564">18</xref><xref ref-type="bibr" rid="rd1e601">19</xref><xref ref-type="bibr" rid="rd1e638">20</xref>.  </p>
      <p>Findings have shown that convincing stakeholders   to modify  the policies  and cultures that deny inheritance rights to women     has been a  herculean  task in developing countries <xref ref-type="bibr" rid="rd1e669">21</xref><xref ref-type="bibr" rid="rd1e706">22</xref><xref ref-type="bibr" rid="rd1e746">23</xref><xref ref-type="bibr" rid="rd1e784">24</xref><xref ref-type="bibr" rid="rd1e815">25</xref>. Studies have argued that making  family resources accessible  to women including those living positively with  HIV and AIDS requires   resource mobilization through  collaboration and advocacy with gatekeepers and stakeholders <xref ref-type="bibr" rid="rd1e839">26</xref><xref ref-type="bibr" rid="rd1e876">27</xref><xref ref-type="bibr" rid="rd1e913">28</xref>.  Evidence from researchers  shows  that   a good number of   HIV positive women    engage in  sexual risks  for financial reasons <xref ref-type="bibr" rid="rd1e938">29</xref><xref ref-type="bibr" rid="rd1e970">30</xref>.  Therefore, economic empowerment  of  HIV positive women is needed  to  mitigate the consequences  of HIV/AIDS and reduce   overdependence on others for sustenance <xref ref-type="bibr" rid="rd1e1001">31</xref><xref ref-type="bibr" rid="rd1e1044">32</xref><xref ref-type="bibr" rid="rd1e1072">33</xref><xref ref-type="bibr" rid="rd1e1090">34</xref>.                            </p>
      <p>    Study aimed to identify  the extent to which the women living positively with  HIV and AIDS have access to family resources especially at the death of their husbands.  It  also examined the willingness of the traditional rulers  to  amend  some of the  stringent cultural practices that negatively affect  women inheritance rights.to family resources.   Therefore,  the  study  explored  strategies that could motivate traditional rulers  to support women  economic empowerment.  .  </p>
    </sec>
    <sec id="d1e288" sec-type="materials">
      <title> Materials and Method:</title>
      <sec id="sec-d1e220">
        <title>Study Setting</title>
        <p> The study area was Abia State of Nigeria.  Abia State is located in the South-eastern part of Nigeria between latitudes 04°17' N and 07°06' N and longitudes 05°23' E and 09°28' E.    The main source of sustenance is farming. In the indigenous customary set up, males are entitled to more privileges than their female counterparts. For instance, males are entitled to the following:  marrying many wives, extramarital sexual relationships, maintaining the family name, and inheriting family resources. The females are not entitled to these. This practice makes it impossible for women including widows  to inherit immovable resources like land, house, cash crops  and others. </p>
        <p>In Abia State,  there are two types of marriages, statutory and customary. Marriages  are usually observed under the  customary law  which   imposes that women married under this law should practise exogamy, that is, at the death of  husbands, they are to  cohabit  with   a member of the husband’s descent <xref ref-type="bibr" rid="rd1e784">24</xref><xref ref-type="bibr" rid="rd1e970">30</xref>.  Majority of the families in Abia State,  practice patrilineal system of inheritance, while  a small proportion  practice matrilineal.   In  both  systems of inheritance  under the customary law,  the policy and rule are that the men are  the sole owners of  properties  in  any marriage  <xref ref-type="bibr" rid="rd1e815">25</xref>. In a situation where a  woman’s husband dies, all the family properties are inherited by the eldest  surviving  brother of the late husband  and not the widow.   Again, in a situation where the late husband  married many wives, and has no surviving  brothers, the nearest relation of the late husband would  inherit all the properties except if the late relation  had   children who are mature, then a fraction of their late father’s  resources  could be willed to the first sons of each  surviving wife. . The amount of the family property that  each of the sons  gets, will  depend on their  ages. The eldest of the sons gets larger share than others.</p>
      </sec>
      <sec id="sec-d1e237">
        <title>Study Design:</title>
        <p>The study was a mixed design which utilized both quantitative and qualitative methods of research.   </p>
      </sec>
      <sec id="sec-d1e243">
        <title>Sample and sampling technique:</title>
        <p>A total sample of 98 HIV positive women who are members of  network of people living positively with HIV and AIDS  in Abia State was studied.  Women in network of people living positively with HIV and AIDS were studied because of the difficulty in identifying HIV positive individuals in the society.   Individuals   are usually reluctant for   reasons of avoiding rejection, stigmatization and isolation  to disclose their sero status. It was considered safer to study those whose sero-status is already known. </p>
        <p>Five (5) traditional rulers randomly selected from the fourteen (14) local government areas where the respondents came from were included in the study. The traditional rulers  are considered as veritable instruments for change in the communities. They  are the only  people  who could be lobbied  to modify  the policies and rules  in  ways  they  could positively influence inheritance rights of women especially those that are  HIV positive.  </p>
        <p>  Nine (9)  focus group discussions comprising 7-9 HIV positive women were organized with the help of three trained research assistants. The questions in the focus group discussions contained unstructured questions which sought information on types of  marriage , policies that affect inheritance rights, and  others. The women were grouped using their ages, marital statuses, types of marriage, habitation status and  place of residence.</p>
      </sec>
      <sec id="sec-d1e253">
        <title>Instrument for data collection:</title>
        <p>Data collection instruments were questionnaire, focus group discussions and interview guides. The questions in these instruments were both open-ended  and closed- ended. The questions  sought information on demographic variables,  types of  relationship HIV positive women enjoy  with  family members,   policies and/or customs that influence inheritance rights,  as well as  the  activities  women  do  to sustain  their families in the communities. Interview guide contained open-ended questions that sought   the  likelihood of  the traditional rulers  amending   the policies and cultures  that negatively affect women’s inheritance rights. It also sought the roles  traditional rulers play in encouraging women’s economic empowerment especially those HIV positive.   </p>
      </sec>
      <sec id="sec-d1e259">
        <title>Data collection method</title>
        <p>This descriptive study utilized questionnaire, focus group discussions and interview guides for data collection. The questionnaire was administered for those who could not read and  write and self-administered for those who could read and  write.    </p>
        <p>   Focus group discussions were done to uncover some vital information that the questionnaire could not cover on cohabitation, sexual behavior and types of marriages contracted.  All the information got  during the focus group  discussions were tape recorded  and transcribed by the three trained Research Assistants.  </p>
        <p>   Key informant interview guide was administered for uniformity  because of the disparity in the education of the traditional rulers.</p>
      </sec>
      <sec id="sec-d1e269">
        <title>  Ethical considerations and informed consent:</title>
        <p> The Abia State University Ethical Committee as well as that of  the Abia State University Teaching Hospital vetted and approved the  instruments for the study before issuing the ethical considerations  for  the  commencement of the study.  Following this approval,  informed consents of the President of network of people living positively with HIV and AIDS (PLWHA), all the  female members of the network and  from the traditional rulers were obtained.  Their respective approvals enabled the researchers to collect information from the respondents uninhibited.  The researchers gave statements of confidentiality as well as briefs on objectives  and benefits of   the  study.  Also   a request for   permission to tape-record the session was made to participants and this was granted.  In addition, a written permission   to conduct the study with traditional rulers  was requested and obtained from  the Chairman of the  traditional rulers  council. This enabled the researchers to collect  information from  the five traditional rulers  included in the study.</p>
      </sec>
      <sec id="sec-d1e276">
        <title>  Method of data analysis:  </title>
        <p>     Data  from focus group discussions  and interview were grouped  into  themes and analyzed both qualitatively and quantitatively. Descriptive statistics were used to analyse data from the questionnaire.’.</p>
      </sec>
    </sec>
    <sec id="d1e399" sec-type="results">
      <title>   Results:</title>
      <p><xref ref-type="table" rid="tbl-d1e485">Table 1</xref> shows   that 79 out of 98(80.6%)  of the respondents studied were between the ages of 15  and  46 years. In  terms of marital status, 26 out of 98 (26.5%) were separated/divorced,    39 out of 98(39.8%) were widowed while 15 out of 98  (15.3%) were single. This shows that a  greater  proportion of the respondents were made up of  those  separated/divorced, and widowed.  For the education and occupation of the respondents, a good number of them had secondary and  tertiary education  while  their occupations  were mainly farming and civil service. However, 10 out of 98 (10.2%)  of the respondents were unemployed as contained in table 1.</p>
      <table-wrap id="tbl-d1e485">
        <label>Table 1.</label>
        <caption>
          <title> demographic characteristics of the respondents</title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <td>Age:</td>
              <td>frequency</td>
            </tr>
            <tr>
              <td>&lt;15 years</td>
              <td>4(4.1%)</td>
            </tr>
            <tr>
              <td>16- 20 years </td>
              <td>7(7.1% )</td>
            </tr>
            <tr>
              <td>21-25</td>
              <td>12(12.2% )</td>
            </tr>
            <tr>
              <td>26-30</td>
              <td>23(23.5% )</td>
            </tr>
            <tr>
              <td>31-35</td>
              <td>16(16.3% )</td>
            </tr>
            <tr>
              <td>36-40</td>
              <td>15(15.3%)</td>
            </tr>
            <tr>
              <td>41-45</td>
              <td>13(13.3%)</td>
            </tr>
            <tr>
              <td>46 years and above</td>
              <td> 8(8.2%)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>98(100% )</td>
            </tr>
            <tr>
              <td>Marital status:</td>
              <td/>
            </tr>
            <tr>
              <td>Single</td>
              <td>15(15.3%)</td>
            </tr>
            <tr>
              <td>Married</td>
              <td>18(18.4%)</td>
            </tr>
            <tr>
              <td>Separated/divorced</td>
              <td>26(26.5%)</td>
            </tr>
            <tr>
              <td>Widowed</td>
              <td>39(39.8%)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>98(100%)</td>
            </tr>
            <tr>
              <td>Education: </td>
              <td/>
            </tr>
            <tr>
              <td>Primary school</td>
              <td>29(29.6%)</td>
            </tr>
            <tr>
              <td>Secondary school</td>
              <td>37(37.8%)</td>
            </tr>
            <tr>
              <td>Tertiary</td>
              <td>32(32.6%)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>98(100%)</td>
            </tr>
            <tr>
              <td>Occupation </td>
              <td/>
            </tr>
            <tr>
              <td>Unemployed</td>
              <td>10(10.2%)</td>
            </tr>
            <tr>
              <td>Trading</td>
              <td>18(18.4%)</td>
            </tr>
            <tr>
              <td>Farming</td>
              <td>36(36.8%)</td>
            </tr>
            <tr>
              <td>Teaching</td>
              <td>12(12.2%)</td>
            </tr>
            <tr>
              <td>Civil service</td>
              <td>22(22.4%)%</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>98(100%) </td>
            </tr>
          </tbody>
        </table>
        <table-wrap-foot>
          <fn id="d1e841"><label/><p> A good number of the  respondents  reported that they were chastised by family members. They  gave reasons why they were  chastised. The reasons given by the respondents are contained in table 2.  From the table, the common  reasons  38 of 59(64.4%)  and 36 out of 59 (61%) of the respondents gave for being chastised were  the  demand for the possession of  husbands’ properties and asking for financial assistance respectively. </p></fn>
        </table-wrap-foot>
      </table-wrap>
      <table-wrap id="tbl-d1e929">
        <label>Table 2.</label>
        <caption>
          <title> Respondents and reasons  for being  chastised    </title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <th><bold>Reason</bold></th>
              <td><bold> Frequency              N=59</bold></td>
            </tr>
            <tr>
              <td> Demanding for husbands properties</td>
              <td>38(64.4%)</td>
            </tr>
            <tr>
              <td> refusing to be inherited</td>
              <td>22(37.3%)</td>
            </tr>
            <tr>
              <td> Knowing one’s HIV status</td>
              <td>29(49.2%)</td>
            </tr>
            <tr>
              <td> asking for financial assistance</td>
              <td>36(61%)</td>
            </tr>
            <tr>
              <td>  not having male children </td>
              <td>19(32.2%)</td>
            </tr>
            <tr>
              <td>  Being  always  sick</td>
              <td>11(18.6%)</td>
            </tr>
            <tr>
              <td> refusing to have sex </td>
              <td>20(33.9)</td>
            </tr>
            <tr>
              <td>being accused of killing husband</td>
              <td> 15(25.4%)</td>
            </tr>
            <tr>
              <td/>
              <td/>
            </tr>
          </tbody>
        </table>
        <table-wrap-foot>
          <fn id="d1e1026"><label/><p>            *** Multiple choices</p></fn>
        </table-wrap-foot>
      </table-wrap>
      <p>   The  influence  marital status had on the extent   respondents were chastised was examined. The results are contained in table 3. From this table, 38 of 59(64.4%), and 12 of 59(20.3%) of  the respondents chastised, were those widowed and married respectively.     </p>
      <table-wrap id="tbl-d1e1121">
        <label>Table 3.</label>
        <caption>
          <title>  Marital  statuses of  respondents chastised   </title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <td>Chastised</td>
              <td>Married</td>
              <td>Single</td>
              <td>widowed</td>
              <td>Separated/divorced</td>
              <td>Total </td>
            </tr>
            <tr>
              <td>Yes</td>
              <td>12(20.3%)</td>
              <td>9(15.3%)</td>
              <td>38(64.4%)</td>
              <td>11(11.2%)</td>
              <td>59(60.2%)</td>
            </tr>
            <tr>
              <td>No </td>
              <td>6(15.4%)</td>
              <td>6(15.4%)</td>
              <td>1(0.3%)</td>
              <td>15(38.5%)</td>
              <td>39(39.8%)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>18(18.4%)</td>
              <td>15(15.3%)</td>
              <td>39(39.8%)</td>
              <td>26(26.5%)</td>
              <td>98(100%)</td>
            </tr>
          </tbody>
        </table>
      </table-wrap>
      <p>      Realizing that the  respondents in all the  marital statuses were chastised for demanding  financial assistance,   the activities the respondents usually  undertake for sustenance   were explored.  The findings are contained in table 4. From this table,  the respondents  carried out several activities for survival.  The findings show  that the respondents engaged themselves with two main activities.  First, 25 of  98(25.5%)  acted  as hired labourers   to others in the farm,  a strenuous activity that could   wear them  down health wise.   The second activity was having  sexual relationships for money. About  54 of  98(55.1%) of the respondents earned their livelihood by having  sexual relationships for money. This  activity  was  considered as a  risk because of the likelihood of   infecting    the sex partners.  </p>
      <table-wrap id="tbl-d1e1319">
        <label>Table 4.</label>
        <caption>
          <title> respondents’ means of sustenance</title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <th><bold> Means of livelihood</bold></th>
              <td><bold>Frequency</bold></td>
            </tr>
            <tr>
              <td>   Hired  labourers   in the farm.</td>
              <td>25(25.5%)</td>
            </tr>
            <tr>
              <td>   Having  sex  with friends for assistance</td>
              <td>54 (55.1%)</td>
            </tr>
            <tr>
              <td>Petty  trading</td>
              <td>15(15.3%)</td>
            </tr>
            <tr>
              <td> Church assistance</td>
              <td>9(9.2%)</td>
            </tr>
            <tr>
              <td>Community assistance </td>
              <td>7(7.2%)</td>
            </tr>
            <tr>
              <td>Donations from  others</td>
              <td>12(12.2%)</td>
            </tr>
          </tbody>
        </table>
        <table-wrap-foot>
          <fn id="d1e1365"><label/><p><bold>***multiple choice</bold></p></fn>
        </table-wrap-foot>
      </table-wrap>
      <p>It was  considered necessary to identify  the  residential areas of  the  respondents who said they had sex with friends  and  and also whether they used condom during such sex.   <xref ref-type="table" rid="tbl-d1e1465">Table 5</xref> contains this information. From the table, 37 of 54(37.8%) of the respondents  who had sex  without condom, live in the rural areas while 17 of 54(17.3%) of others  live  in the urban areas.  This shows that  respondents who are  resident in the rural areas had sex without condom more than those resident in the urban area. </p>
      <table-wrap id="tbl-d1e1465">
        <label>Table 5.</label>
        <caption>
          <title> Respondents who had unprotected  sex  by    residence</title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <td><bold>     Used condom during sex</bold></td>
              <td colspan="3"><bold>   Respondents’  residence</bold><bold>  </bold></td>
            </tr>
            <tr>
              <td/>
              <td><bold>Urban </bold></td>
              <td><bold>Rural </bold></td>
              <td><bold>Total</bold></td>
            </tr>
            <tr>
              <td>Yes </td>
              <td>11(11.2%)</td>
              <td> 9(9.2%)</td>
              <td> 20(20.4%)</td>
            </tr>
            <tr>
              <td>No </td>
              <td>17(17.3%)</td>
              <td>  37(37.8%)</td>
              <td> 54(55.1%)</td>
            </tr>
            <tr>
              <td>Do not have sex (abstinence)</td>
              <td>10(10.2%)</td>
              <td> 14(14.3%)</td>
              <td>  24(24.5%)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>38 (38.8%)</td>
              <td> 60(61.2%)</td>
              <td> 98(100%)</td>
            </tr>
          </tbody>
        </table>
      </table-wrap>
      <p> Considering the number of respondents 24 of 98(24.5%) who said they practice abstinence,    the extent to which the respondents   perceived  having unprotected sex  as  risks for HIV  transmission  was examined. To assess this, respondents were  requested to rate the extent to which  they perceived  having sex without condom as a risk. The ratings were  grouped in four categories:  high,  moderate, low,  and  no risk.  The  respondents marital  statuses were matched with their  perceptions. Findings in table 6  show that as high as 78 of 98  (79.6%) of the respondents in all the marital statuses  perceived having sex without condom as a  risk  for HIV transmission,  yet, 54 of 98(55.1%) of  them  engaged in unprotected sex. When the respondents’ perceptions were matched with their marital statuses, the findings show that two groups of respondents,   widows  and divorced/ separated perceived having unprotected sex as a risk more than others.</p>
      <table-wrap id="tbl-d1e1675">
        <label>Table 6.</label>
        <caption>
          <title>   Respondents’  perceptions   of the risk of  unprotected sex   by marital status </title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <td><bold>  Perceived  risk</bold></td>
              <td colspan="6"><bold>                                      Frequency of response </bold>  by marital status<bold>   </bold></td>
            </tr>
            <tr>
              <td/>
              <td>Widows    (not    inherited)</td>
              <td>Widows (inherited)</td>
              <td>Married </td>
              <td> Separated/divorced </td>
              <td>Single</td>
              <td>Total</td>
            </tr>
            <tr>
              <td> High  risk</td>
              <td>9(9.2%)</td>
              <td>2(2.0.%)</td>
              <td>6(6.1%)</td>
              <td>10(10.2%)</td>
              <td>5(5.1%)</td>
              <td>32(32.7%)</td>
            </tr>
            <tr>
              <td>Moderate risk</td>
              <td>6(6.1%)</td>
              <td> 3(3.1%)</td>
              <td>3(3.1%)</td>
              <td>7(7.1%)</td>
              <td>3(3.1%)</td>
              <td>22((22.4)</td>
            </tr>
            <tr>
              <td>Low risk</td>
              <td>5(5.1%)</td>
              <td> 4(4.1%)</td>
              <td>4(4.1%)</td>
              <td>4(4.1%)</td>
              <td>3(3.1%)</td>
              <td>20(20.4%)</td>
            </tr>
            <tr>
              <td>No risk </td>
              <td>2(2.0%)</td>
              <td>8(8.2%)</td>
              <td>5(2.0%)</td>
              <td>5(2.0%)</td>
              <td>4(4.1%)</td>
              <td>24(24.5)</td>
            </tr>
            <tr>
              <td>Total </td>
              <td>22(22.4%)</td>
              <td>17(17.3%)</td>
              <td>18(18.4%)</td>
              <td>26(26.5%)</td>
              <td>15(15.3%)</td>
              <td>98(100%)</td>
            </tr>
          </tbody>
        </table>
      </table-wrap>
      <p>   The reasons  the respondents  had for taking the risk of engaging in  unprotected sex were explored. Realizing the fact that  a good number    78 of 98(79.6%) of the respondents perceived unprotected sex as risk to HIV transmission, the reasons  54 of 98(55.1%) of them  had for engaging in  unprotected sex   were examined.  The  findings in table 7 show that the  commonest reason 47 of 54(87%)  respondents who engaged in unprotected sex  had   was that their sex partners disliked condom use. This finding calls  for health education to enlighten HIV positive  women on  the benefits of condom use.   </p>
      <table-wrap id="tbl-d1e2026">
        <label>Table 7.</label>
        <caption>
          <title> Respondents’ reasons for engaging in  unprotected sex</title>
        </caption>
        <table rules="all" frame="box">
          <tbody>
            <tr>
              <td><bold>Reasons</bold></td>
              <td><bold> N=54 </bold><break/><bold>Frequency of response</bold></td>
            </tr>
            <tr>
              <td>Male partners dislike condom use</td>
              <td>47(87%)</td>
            </tr>
            <tr>
              <td>Ashamed to negotiate condom use</td>
              <td>19(35.2%)</td>
            </tr>
            <tr>
              <td>Do not have condom </td>
              <td>13(24%)</td>
            </tr>
            <tr>
              <td>Wants to have babies</td>
              <td>12(15.4%)</td>
            </tr>
            <tr>
              <td>   Needs financial assistance </td>
              <td>39(72.2%)</td>
            </tr>
            <tr>
              <td>Fear of being beaten</td>
              <td>17(31.5%)</td>
            </tr>
            <tr>
              <td>To avoid being termed as promiscuous</td>
              <td>21(38.9%)</td>
            </tr>
            <tr>
              <td>To  protect   my sero-status </td>
              <td> 27(50%)</td>
            </tr>
            <tr>
              <td> `I hate having sex with condom</td>
              <td> 12(15.4%)</td>
            </tr>
            <tr>
              <td>No reasons</td>
              <td>9(16.7%)</td>
            </tr>
          </tbody>
        </table>
        <table-wrap-foot>
          <fn id="d1e2134"><label/><p> *** Multiple choices</p></fn>
        </table-wrap-foot>
      </table-wrap>
      <sec id="sec-d1e1100">
        <title> Results  from the  traditional rulers:</title>
        <p>Findings from the five (5) randomly selected traditional rulers from the fourteen (14) local government areas where the respondents came from  show that majority of the traditional rulers have negative views on the  need to  modify policies  that will  allow women especially those HIV positive  including those widowed to  inherit family resources. The traditional rulers had negative views  about  women  empowerment.   In the words of three traditional rulers, <italic>the culture  is that  women should be subservient to the men.</italic> <italic>  If  women are allowed to inherit properties  that  means  they will be co-equals with men and men may not be fully respected .</italic> The traditional rulers argued  that  the communities will be unkind to  them   if  they  support women inheritance rights. One of the traditional rulers stated that   <italic>encouraging women to inherit family assets would make them obstinate and  difficult to be controlled.</italic> <italic> This  will be against the culture.</italic> Two traditional rulers emphasized that   <italic>whatever economic assets  women acquire, must   be manned by men</italic>’. One  of  the traditional rulers  clearly stated  that  <italic>it would be a taboo to allow females   the opportunity of inheriting family resources when there are males in the family. </italic>The traditional rulers  had the  common  belief  that men as breadwinners should keep custody of all resources so as to   plan how to disburse them for the benefit of all family members.  Their argument was   that assets procured by women should be handed over to the men for safekeeping. The traditional rulers’ arguments were  that    <italic>women  cannot inherit properties  particularly landed property </italic> <italic>because by  traditional African society,    women are  like strangers both in their fathers’ and husbands’ houses.</italic> <italic>That sooner or later they  either get married or divorced, they leave their  families  and become strangers.</italic> <italic> They concluded that   since women have no  permanent home,  that they  cannot be entrusted with family resources.</italic>  The traditional rulers’ perception was that if women are allowed to inherit properties, that they would take the inherited items to either their husbands’ or fathers’ houses. The findings of the study reveal  some  unwillingness of the traditional rulers to modify the culture that  denies women even those living with  HIV and AIDS  the opportunity to inherit family resources.</p>
        <p>  The need to examine   the extent to which the  traditional rulers are aware of  the  nutritional needs of people living positively with HIV and AIDS was explored.  Findings  show that a good number of  the traditional rulers have little or  no  knowledge of the types of food HIV positive people  need  to maintain good health.  Four  of the  traditional rulers  said   <italic>the staple food is ‘gari’ (cassava product) what else do people  need? When there is money, one can then purchase rice and beans  to complement  the staple food.</italic>    Two traditional rulers stated that  <italic>hard working women  should  produce enough food  that will  sustain their families.</italic>   The traditional rulers’ feeling is that only lazy women who cannot farm  complain of hunger. The responses from the traditional rulers show that they have poor knowledge of the types of food those living positively with   HIV and AIDS need to maintain good health.  They need   more than  carbohydrates in their diet to cope with the health challenges of    HIV and AIDS.    </p>
        <p>The traditional rulers were interviewed on the likely causes of chastisement reported by the respondents.  The responses from three (3) traditional rulers revealed that stubbornness, laziness  and poor interpersonal relationships were  the main drivers of conflicts in the family. Two (2) traditional rulers  emphasized that some widows experienced conflicts because they disrespected the family by having  sexual relations with men outside the family circle.  One (1) traditional ruler stated that <italic>by tradition, the younger male relation of the family of the deceased is entitled to inherit the widow so as to  take care of the widow’s needs.</italic> <italic>When   women neglect this and have affairs with  men outside the family, conflicts  will be inevitable. </italic> This indicates that wife inheritance is still practiced in some communities. The fact that  some of the  traditional rulers  emphasized wife inheritance as among the causes of conflict in the family confirms the fact that  the traditional rulers lack knowledge of the  modes of HIV transmission.   However,  findings  show that  none of the  traditional rulers  interviewed  had  prior knowledge of those who are living positively with HIV and AIDS  in their  communities. This finding shows that those living with HIV and AIDS  rarely disclose  their sero–statuses  in the communities where they live.  </p>
      </sec>
      <sec id="sec-d1e1156">
        <title> Result from Focus Group Discussions:</title>
        <p>  Findings from the focus group  discussions confirm that women are  not considered  as potential heirs when family resources are shared. Reports from five (5)  women  reveal that   <italic>the elders  and the traditional rulers superintend over all decision –making in the family. They determine each family members’   rights to inherit  family resources. Females  are usually excluded from major decisions in the family including resolution of conflicts between husbands  and wives.   </italic> </p>
        <p> Findings  on the extent to which  family members provide sustenance to the respondents   reveal that  a good number  of the  HIV positive women including widows do not receive  financial assistance. Seven (7) women said  we have problems.  <italic> Our   children  have dropped out of school due to   inability to pay their school fees. The worst is that  they  did not take the school  examinations. The relations of our  husbands  have been approached  on this for assistance,  but they are  reluctant to assist</italic>. <italic>Their responses are always in the  negative. </italic> <italic>They will tell you,</italic> <italic>there is no money to   shoulder another person’s responsibilities in addition to theirs.</italic> When the women were  asked whether those living in the urban areas also  experience similar  treatments, a good number of them responded in the positive that they have similar encounters showing that both HIV positive women in urban and rural areas encounter limitations in  getting  financial assistance from   family members. Six (6) women said, <italic> if we are   allowed access to our husbands’  family assets, we  would  easily raise  money to maintain   our families, as well as  pay  our  children’s school fees before they are  sent   out of school.    </italic></p>
        <p>Ten (10) women  said, <italic>our  greatest problem now  is how to raise money for transport  to collect  the  anti-retroviral drugs each month.  We  spend between N5, 000 and N13, 000 (US$40 to $95) each month on  cost of  transportation  to collect drugs from  the centre.</italic>     Five (5)  women  reported  <italic>We were inherited by our brothers’ in-law with the hope that they will  support us  financially but to our greatest surprise, they do not   provide for our financial needs. When we ask  for money   they  will  hush  us by telling us to look for what to do to raise  money to maintain our families. As  we speak now, feeding the family  is a problem. We sometimes go to do  odd jobs with our children just  to raise money for the family upkeep or to ask for assistance from the church members. Whenever, we are sick, how to pay hospital bills  will force  us to settle with local treatments just to save cost. </italic>These  narratives    show that the  interests of women’s welfare  rarely receive priority when decisions are made in the family.   </p>
        <p>Types  of  relationship respondents  enjoy with  family members were explored:</p>
        <p> From the reports given by eight (8) respondents, a good number of the  respondents especially those widowed  had horrifying experiences with family members. Seven (7) women said <italic>we are constantly treated harshly.</italic> Six (6) others confirmed  that they<italic> experienced</italic> <italic>constant  aggression that result to being  chased out of the family house. They emphasized that these experiences constitute  setbacks  to their wellbeing. </italic>  Four (4)  of the respondents said, <italic> we are not happy with our experiences.  This disease is more than poison. It  makes one constantly  sick  and unable to engage in hard labour. Men are generally wicked. They purposely would not provide our family  needs, so that we  continue to be  financially dependent. </italic></p>
        <p><italic>The painful thing is that when  you complain as a woman, the men will label you as bad and troublesome   especially when  you  refuse to have sexual  relationships with them.</italic> <italic> The problem will be more if you   venture to disclose  your  HIV  status  to them.</italic> <italic>Then, they  will </italic>s<italic>tigmatize, reject ,and abandon  you. They may  even  threaten to kill  you</italic>.  Using reports from  three  (3) widows: <italic> we have six children, yet we lost our husbands’ property to our brothers’ in-law barely one month after the burial  of our  husbands.  When we complained, we were chased out of our matrimonial houses.  We reported  this to the traditional rulers of our communities, and  we were told that nothing can be done to change the situation. That  the culture must be respected. </italic></p>
      </sec>
    </sec>
    <sec id="d1e2342" sec-type="discussion">
      <title>     Discussion: </title>
      <p>       The fact that a   high proportion    of  the respondents,  85 of 98(86.7%) were denied access to family resources, indicates  lack of  care and support for women living positively with HIV and AIDS.  The finding on lack of care and support was also  supported by the responses of the  traditional rulers  who are of the view that women are not entitled to owe properties in their names when there are males in the family. The fact that  a good proportion of the respondents with their children, acted as hired labourers  as   their means of  livelihood, confirms that  they lacked care and support from family members.     This  finding on lack of care and support agrees with  that of  <xref ref-type="bibr" rid="rd1e72">3</xref><xref ref-type="bibr" rid="rd1e159">6</xref>  and is at variance with that  of  <xref ref-type="bibr" rid="rd1e357">12</xref><xref ref-type="bibr" rid="rd1e446">14</xref>  where  increased care and support to people living positively with HIV and AIDS from  family members were established.     </p>
      <p>        The practice of  chasing out 60 of 98 (61.2%) of the respondents  from their matrimonial homes  and denying them financial assistance is arguably   domestic violence. Also, the fact that  the  traditional rulers,  as custodians of culture, could not support  the respondents  including  those  widowed to have access to their  family resources is another form of violence.  The traditional rulers were unyielding                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             in amending   the policies that  totally  allow males   ownership to all family resources to the disadvantage of  females.  This finding agrees with the views of  <xref ref-type="bibr" rid="rd1e202">7</xref> that due  to economic scarcity,  males after mortgaging family resources are  no more willing to financially  support femily  members  as they did in the past.    </p>
      <p>    Sexual risk behaviours were common  among the  respondents both  those resident in the urban and rural areas. Although a good proportion of the respondents, 78 of 98(79.6%) were aware that   unprotected sex could increase HIV  transmission, yet,  half of the respondents  54 of 98 (55.1%) still engaged in unprotected sex showing that knowledge of how  HIV is transmitted is not  necessarily a guarantee to   encourage HIV prevention. Common reasons given by some of the respondents on why they did not use condom during sex included sex partners disliked for condom use  and  the fear of being accused of promiscuity. The finding that a good number of the respondents engaged in unprotected sex agrees with that of <xref ref-type="bibr" rid="rd1e35">2</xref><xref ref-type="bibr" rid="rd1e357">12</xref> which found that  people living positively with HIV and AIDS engaged  in unprotected sex for .fear of stigmatization and rejection,   The fact that some     respondents took the  risk of having   sex, without condom   reveals  the extent to which HIV transmission may be encouraged in the communities.      </p>
      <p>      Good  proportions  of  non-inherited, and divorced/separated  respondents    had  better  knowledge of  the  negative consequences of having unprotected sex than others. It is likely these are among the groups  of respondents who   practiced  abstinence.    This group  could be   the strong willed ones who are determined to reduce HIV transmission  in the society  despite the fact that  they are  denied  financial and social supports. This   shows that non-inheritance and divorced/separated  constitute  positive factors  in  HIV and AIDS prevention .    </p>
      <sec id="sec-d1e1251">
        <title> Limitations to the study: </title>
        <p>Limitations were encountered during the study.  The samples used for the study for both the people living positively with HIV and AIDS and the traditional rulers were  small.  The study was cross sectional  and as such, could not capture all that transpired with the respondents.  The   data analysed   for the  study was based on  self- reported behaviours from the respondents, and  as such, biases may be introduced.                                </p>
      </sec>
    </sec>
    <sec id="d1e2378" sec-type="conclusions">
      <title>     Conclusions:</title>
      <p>      Denying HIV positive women especially those resident  in the communities, rights to inherit family resources could have disturbing effects on their economic empowerment, and sexual life. This denial  could inflict hardships and  expose  HIV positive women to  the risk of having unprotected  sex for monetary values. If this denial   continues, government‘s efforts to   reduce HIV prevalence in the society  would yield little or no significant result unless government, with the support of the traditional rulers, review the policies  that  discourage women’s access to family resources.      </p>
      <sec id="sec-d1e1263">
        <title>     Recommendations </title>
        <p>Based on the findings of this study, the followings  are  recommended:</p>
        <p>1.   National and State legislatures  should  extend   legal aid support  services  to HIV positive women  particularly to  those  resident  in the  rural areas where  cultures and norms  that prevent women from inheritance rights are very stringent. This recommendation is plausible because only the  government can   make policies or rules  that would compel the traditional rulers to modify the cultures  and norms  that negatively influence  women’s rights to assets transfers.     Allowing HIV positive women access to family resources,  will increase   their economic and social wellbeing , thereby mitigate   HIV and AIDS impacts.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       .  </p>
        <p>2. Health workers should regularly conduct  enlightenment campaign programs that would  focus on educating traditional rulers on the health problems of HIV positive women and the roles they  could   play to assist the  group  maintain good health </p>
        <p>3. The judiciary should  update legislations  that govern wills so as to   ensure increased social and financial  supports  to widows  to enhance their economic empowerment.   </p>
        <p>4.   Traditional  rulers should  support gender equality where unrestricted  opportunities and rights are equally  extended  to women  to inherit assets irrespective of their health  and  marital statuses.</p>
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