Could you present it as an interest-free loan, rather than a gift, with a provision in your will that after your deaths, any outstanding amount of the loan should go to your DD first and then the estate divided?
As others have said, you don't know if any or all of your wealth will be needed for care fees in the future, but it might be more acceptable to your DD that way and prevent hurt feelings.
Good Morning 1st May 2026 "May Day"
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