Yes jointly and severally. My mother has dementia but is still able to make her own wishes very clear. She is still making lots of her own decisions, but think the time is not very far off, maybe months, when we will have to assume responsibility for her best interests. From conversations with my brother it is clear that he would like to 'take over' her financial affairs now, but I am maintaining that she still knows what she wants to do as far as her Bank Accounts are concerned. She wishes to stay with her Bank of 60 years where her house sale proceeds are kept even if she could get a better rate of interest elsewhere. My brother wants to persuade her to put the monies elsewhere, which is causing her stress. I can see that he has her 'best interest' at heart, literally, but I maintain that it is her wish to stay where she is as she has even written this down. We have not yet enforced the Lasting Power of Attorney as not been necessary yet.