David is 18 years of age and has just started his first job. His employer is making compulsory superannuation contributions for him and, as a member of the fund, he is automatically eligible for $100,000 of so-called 'group' life and total and permanent disability cover. David still lives at home with his parents and has a girlfriend of some two years and, according to your clients (his parents), they have recently been talking about marriage. Privately, the parents are concerned David's girlfriend could be pregnant. 

Required:

2. Does David need a will, mindful that, apart from his superannuation, he has no other assets? 
4. Why is it important to establish the competence of a client at the inception of an estate planning engagement?