I like it so far, it is "softer" on the eyes and easy to read on my laptop. I especially like how longer quotes default to a condensed view that you can expand, this makes it a lot easier to read for those of us who like to use several quotes in one reply. Also, if you use the @ {user} function, the inserted user name is easier to read. I haven't tried mobile or custom stream/view functions yet
Umm ... the plan document will answer this question. Look for the definitions of "beneficiary" and "spouse".
Hint: your "not sure when" comment might be important.