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« on: Monday 18 July 16 23:44 BST (UK) »
Thanks CB. Yes, that's right, Frances was born Sophia Frances Stone, but raised as Schiff, then Skiff. So it's all a bit confusing and sometimes she used Stone, other times, Skiff.
I now think she married Arthur Smallwood in England and then Francis Willoughby Smallwood in Canada. I am not sure what happened to Arthur. Francis died at the end of 1944.
I was just about to write that I doubt that Frances would have remarried that quickly, until I saw the date of birth on the death record for Frances Sophia Bowman. Which is an exact match. So thank you very much, I think you have found the right one. And thank you again to everyone else who took their time to search for me - I really appreciate it.
Best wishes
Paula