I've read that a stellar-mass black hole has a lifespan on the order of 10^67 years. Does this mean that a clock which is at rest with respect to (and sufficiently far away from) a stellar-mass black hole will tick off 10^67 years before the black hole evaporates? Also, will shell observers hovering at different distances from the event horizon measure different lifespans for the black hole? Lastly, if the time dilation with respect to distant external clocks goes to infinity does that mean that, according to shell observers arbitrarily close to the horizon, the lifespan of the black hole approaches zero? If so, will an in-falling observer disagree?