MILLIGAN, J.
This is a case of first impression in Ohio involving a single, narrow issue:
Is a change of beneficiary on a P.O.D. account a sale, gift, conveyance, or encumbrance of such P.O.D. account?
In the last paragraph of the guardianship statutes, relating to notice of appointment, appears the following:
"From the service of notice until the hearing, no sale, gift, conveyance, or encumbrance of the property of the incompetent shall be...
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