Sorry Alan... I think this could get messy...
From an online legal dictionary...
"and conj. this little word is important in law, particularly when compared to or. Most commonly it determines if one or both owners have to sign documents. Example: when an automobile registration reads that the title is for Barney and Sarah Oldfield, then both must sign off upon sale, but if it says "or" then only one will have to sign; if Barney dies then the title is automatically in Sarah if it reads "or," but not if "and.""