My mom is fragile physically, but very competent mentally. She lives at home, manages her own medications and takes care of all her bills. However, with her declining health, my sister and I want to make sure she is protected from anything that could happen to change her ability to take care of herself. She would like to designate us as her joint Durable Power of Attorneys. If we take this step, will she still be allowed to write her own checks? We all want to ensure her independence for as long as possible.