Final answer:
Paula and Harlow needed to choose a guardian for their children in their will. The guardian is responsible for the children's care if the parents pass away, unlike an executor, power of attorney, or insurer.
Step-by-step explanation:
Paula and Harlow, when creating their will, needed to choose a guardian for their children in the event of their death. A guardian is a person who is legally responsible for the children's care and well-being if the parents are no longer able to fulfill those duties. This is illustrated by the case of Sharon Kowalski and Karen Thompson, where after Kowalski became incapacitated, it took nearly a decade before Thompson was declared Kowalski's legal guardian. An executor is someone who is responsible for carrying out the terms of a will, a power of attorney is a person who is legally designated to make decisions on another's behalf while they're alive, and an insurer is a company that provides insurance.