In March, Adrian Saylor sold government bonds owned exclusively by him and with $$6,450$ of the proceeds opened a savings account in a bank in the name of $"$Mr$.$ or Mrs$.$ Adrian M$.$ Saylor." In June of the following year, Saylor deposited the additional sum of $$2,132$ of his own money in the account. There were no other deposits and no withdrawals prior to the death of Saylor in May a year later. Is the balance of the account on Saylor's death payable wholly to Adrian Saylor's estate, wholly to his widow, or half to each? Explain.