Here lies the brilliance of my business plan: If Capato wins, any future off-spring of a deceased father will be entitled to social security survivor benefits. A low-earning dead father will enable a child to get, say, $1500 a month until she or he is 18. That adds up to $324,000. A high earning father will yield much, much more.

Granted, the plan has some drawbacks. My niche market targets unmarried people: single women or same-sex couples. The mother must be willing to have the [dead] donor listed on the birth certificate as the father. The insemination will also have to be performed outside of a clinic, since in most states the use of a clinic implies that the father is relinquishing paternity.

As for the insemination itself, I'd do it the good old fashioned way -- with a turkey baster.