Frank and Debbie Brown have been married for 25 years and have three children, Gina, age 23, Grant, age 20 and George, age 17. Frank and Debbie have a lucrative consulting business and have done well, saving quite a bit for retirement. They have come to your supervising attorney's office to update their estate plan and to specifically set up a trust. Their estate is currently valued at $4 million. Gina is pregnant with her first child, and Grant is a junior in college with plans to continue on to law school. George is just about to graduate from high school. Gina and her husband have just bought their first home. The Browns are concerned about Grant because they've had to help bail him out of credit card debt once already but would like to contribute to a portion of his law school education, provided it would go directly to the law school he attends. They also want to have enough to provide for their retirement years, including some travel, and for their children's and grandchildren's college educations. Your attorney has asked you to draft a trust for the Browns. Assume that neither of them will die before 2023. Address the needs for their retirement and for their concerns for their children and grandchildren.