We’re going to talk about. We’ve already talked about goals and trust, but today we’re going to talk about the other documents are really important to have in your state planning. and a living will and what the differences between a living will and a health care pro attorney. They are very different and very important to have both. Welcome to the Seed or Harvest Show, You’re going to welcome Cynthia Starkey. Good to see you again. You too. Always love having you on. So, we’re looking forward to another great episode. This will be a number of, I believe, three, three of this year. Okay. So, here we are. We’re going to continue on. Obviously, Our intention is to bring financial and legal professionals together Cindy, this is a big, massive topic that most people want to ignore, right? That’s correct. You do. I, I imagine that you tend to talk to a lot of people at later stages in life. I do. So are you is it what do you what percentage of people, just to start off the conversation of a percentage of people, would you say to you, talk to you that are under ? I’m also happy to introduce our special guest, very esteemed guest, In, in under , who has served her clients maybe %. Ten, under , under . So % of people wait till after they’re, you know. Oh, yeah. Oh, yeah. The only younger people that I talk to typically I handle the estate for their parents, and then they realize their parents tell them how important it is to, you know, get documents in their estate planning in place. And typically they have children. And so they want to make sure that guardians are named for their children, and conservators are named for their children in case something happens to them. But that’s about the only time I ever hear from younger people. All right, so it’s what’s test your %? I am , and do you think I have my trust documents set up? I do not believe you. Do after time. No I don’t. So we, proved your case. That’s terrible. Right? Hopefully, nothing happens to us and everything’s okay. Otherwise, we’re going to probate in. It’s bad for our kids. Yeah, which that’s what this is about. Let’s avoid all that situation. And, let’s let’s talk about why we need to do this, and, so shed some light on us, for this next episode here, we’re going to be talking. I guess you said about the supplementary documents, is that correct? Documents that you need. So we talk about wills and trust in the last episode, two episodes, and talked about the difference between them in the pros and cons. But there are a couple other documents that are really important to have in your estate plan. And those are financial powers of attorney and healthcare, powers of attorney and a living will. And typically I include those. So when I do estate planning documents for people, I do them in packages. And it’s either a will package or a trust package typically. And there’s different charges for those. And then they always each package also comes with health care powers of attorney and financial powers of attorney. And what those are is the will and the trust mostly, deal with your property, after you die. Although trust actually deals with your property throughout your whole life. But the health care pa returning the durable power of attorney gives people the, authority to act on your behalf prior to your death. They’re actually not affected once you pass away. But if you’re incapacitated or you can’t make decisions for yourself because you can’t communicate those decisions, then you appoint somebody to make those decisions on your behalf. And that’s why. So the durable power of attorney actually allows somebody to make financial decisions for you so they can write checks. They can pay your mortgage, they can pay your bills, they can sell property, and you can have those, that power attorney can become effective immediately, which is kind of a dangerous thing to do or just once you’re incapacitated. But a lot of you might pause. And right there, I’m sorry you said that can be kind of a dangerous thing. What do you mean by that? What option do you have if it’s not immediate? Now, if you I’ve seen situations where, a to a spouse where you’ll give your spouse power of attorney, that’s effective immediately and then that spouse is maybe not trustworthy. Or maybe it’s a, maybe it’s a son or daughter and you’re an elderly person, and that person is untrustworthy. And they go and do things, you know, they buy property or they take out credit cards or they sell stuff, so property and you don’t know about it. So I typically don’t recommend that you give somebody that power that it’s effective immediately. I usually say, you know, it should only become, effective once you’re incapacitated. But you can make the choice under Arizona law for a financial power of attorney to be effective right away, the one time when you really would want it to be effective immediately is if you are maybe in the military and you’re being deployed, so that your spouse can carry on and, you know, buy property, or if you have a business together can do the things that need to be done to keep the business running. But, yeah. Sorry, I understand what you’re saying. I you’re just saying immediately, as an immediately, you are capacitated right now, but they still have the power of attorney to act on your behalf. Yeah, yeah. So the incapacitated. Yeah. So, okay, I was I was under the assumption that it only kicked in once you were incapacitated. So that’s, you know, you, you put in place. Gotcha. Sorry. Okay. Well, I’m glad to clarify that. I didn’t realize you had that distinction. No, I realize it either. You know, the other scenario where you might want to, appoint somebody before you’re incapacitated is. And this is more for the older day in the, in, you know, days before when there’s e filing and e signing and things like that. But if you’re going out of the country and maybe you had property that you were going to sell or, you know, a business that needed to be done, so you’d leave somebody in charge of that so that they could sign things on your behalf or, you know, sell property, especially if you’re in real estate and you’re are buying and selling property all the time. But now that you know, you have e signing and DocuSign and those kinds of things doesn’t really matter where you are in the world anymore, you can pretty much act from anywhere. But, yeah. So typically that’s when you’d want to you typically when you don’t want to give somebody control over your finances unless you’re incapacitated. And then the healthcare power of attorney is also if you’re incapacitated. And that allows somebody to make medical decisions for you and that person, you really have to give some thought to who you’re going to appoint for both, because the person that you point to act for you to make medical decisions might be somebody completely different than you would appoint to act for you financially. You know, when you’re doing a financial power of attorney, you got to think about, is that person a responsible person, or are they going to take out credit and loans and things like that behind my back? Or, you know, even if you’re not, if you’re incapacitated, are they going to take out loans and things like that? Are they going to misuse my funds? But then as far as health care power of attorney goes, that’s somebody who’s going to make medical decisions for you. So you really need to have a conversation with them and make sure that you’re both on the same page as far as you’d what you’d want done for you if you were, you know, in a vegetative state or a car accident or something like that. And you were on life support, you know, do you want life support to be continued for a long time, or do you not want to be on life support? So you have to have those decisions? I have a lot of clients who are Catholic and, a lot of the older Catholic people, you know, they believe in the sanctity of life and they would not, you know, pull the plug on their kid if they were in a car accident and in a vegetative state. And yet the kids maybe aren’t as devout Catholics as their parents are, and they wouldn’t want that. So it’s really important to have that conversation. So the person you’re appointing is on the same page. Is you as far as what you’d want done, because you don’t want to put somebody in the position where you want to be pulled off life support. And it’s a moral, you know, it’s something morally reprehensible to them and have them have to make that decision. Do you know what I’m saying? Oh, you know, I yeah, well, you know, I lived it. I mean, I was, I was my financial power returning from my father, but it was my uncle who was the medical power of attorney, right. Which I was so thankful for to take that off. Yeah, quite honestly, because I, you know, I it’d be emotional for me. And, you know, uncle, being a doctor, it just made sense. And I just think it just it just made sense in Iowa. Just it it’s a it’s very hard emotionally. I have a client now who, she was the power of attorney for her mom. I mean, yeah, she was a health care returnee for her mom, and she had to make the decision she COPD. She was young. She was in her, you know, s, s. And she had to make the decision when she couldn’t really breathe anymore to pull the plug on her mom. And, you know, her brother didn’t necessarily % agree. And so she’s very conflicted about, you know, afterwards you have a lot of did I do the right thing or not? So it’s a really it’s a really important decision who you pick and the, the there brings up one other topic, which is there’s something called the living will, which is completely different than a health care part returning. And the living will is something that so health care power of attorney is very broad, and it basically lets the person to a point do anything that you would do. They could step in your shoes and make any kind of medical decision for you. Whereas the living will is very specific that says if I’m in a vegetative state, this is what I want. Pull the plug. I’m your don’t pull the plug. If I’m in a locked in condition condition. This is what I want. Do the, you know, pull the plug or dog plug. I want a feeding tube or I don’t want a feeding tube, I want hydration or I don’t want hydration. I want, you know, drugs to keep me comfortable or not comfortable. I want cremation or not cremation. Very, very specific. Very narrow. But the great thing about a living well is it takes all the responsibility of the person who’s your medical power attorney, because you’re the one telling the doctor, if I’m in this situation, this, this is what you do. If I’m in this situation, this is what you do. So nobody has to make a decision for you. Even if you can’t make the decision for yourself, you’ve already made it and your medical provider is supposed to abide by your decision. Do you understand the distinction? Oh yeah. Big time. So it sounds like you mean. Well, I was it was kind of leading me to a question. So it’s kind of funny, the last time we had this talk about wills and trust, my aunt reached out to me. She’s been going through some medical issues with, It’s not a it’s a benign tumor, but she’s been dealing with issues with a tumor in her brain for time for as long as I’ve known. Probably some years. And she reached out to me with asking me to be the power of attorney for her and my uncle. Once they, you know, I think they’re still kind of going through this process. They don’t have a well or a trust or anything right now. So they’re still kind of going through that process. But that was leading me to a question. What you’re saying. So say that she has certain things she wants done. So how is that documented from like my standpoint? Like is it just, you know, like say something happens to her tomorrow? But she had told me, you know, I want you to I don’t want to. I don’t want you to pull the plug or, you know, whatever it is. So how is that document? How do you keep that? Like. And that’s, that’s why it’s so important that you actually have a conversation with the person that you’re, appointing because the document is written very broadly, like the health care power of attorney, the living will is very specific. If she has a living will, then you don’t make a decision at all. The doctor has that living will and knows what to do in those certain circumstances. If one of those circumstances doesn’t apply and she’s incapacitated and the uncle can’t make the decision, you’re the one who’s been appointed, then you it nothing is documented. You just make the decision. And so it’s important for you to have the conversation with her. What do you want? Yeah. At the mercy of you. Yeah, yeah. So it’s really. So that’s why it goes to your point that you want to trust the person that you’re having doing it. Because if you tell her you want and justice, you want them to do x, y and then they do something else. So okay. Yeah. Because they’re not bound, you know, they’re not bound by anything is because there’s nothing in writing except saying that you’re the person who’s going to make the decision. But, you know, it’s all based on conversation that you had and knew, knowing the person and understanding what they would or wouldn’t want. And a financial power of attorney is kind of the same way, except it’s a little my documents are different. I don’t know about anybody else’s documents but mine. My financial powers of attorney have probably, maybe different powers that you can have, you know, buy businesses, start a new business, open credit cards, pay taxes, you know, just a whole everything that you could possibly think, and you get to actually sign on the line, you have to initial each line to say, what if you give your financial power of attorney that power to make that decision for you? And so you could actually go through that and go and say, you know, I’m really comfortable with this person making all these decisions for me, but I really don’t want them to make X, Y, and Z. I don’t want them to be able to take out a credit card. So, so that’s, you know, my documents are different in that way. And then you could actually select certain things in the financial car of attorney. But the power of attorney wide open, they get they step into your shoes. They do. They can make any decision that you would be able to make. So that’s really important that you communicate with each other about what you’d actually want and make sure that they’re willing to take that responsibility on. It’s really a great thing that she reached out to you and said, I’m thinking about this because sometimes people just name somebody in a document and they don’t even talk to them, and that person doesn’t know until they’re in a crisis situation that they’ve been the one appointed to make a decision on their behalf. And some people don’t want that responsibility. It’s like humongous responsibility. Boy, I mean, I was actually a little surprised, but I mean, I think she trusts me and I, you know, whatever she has to do. But they said it was just funny because it came up after we had the initial talk with this and she was going through, she has some stuff. She goes to Mayo, so she lives in Nebraska, goes to Mayo to have the stuff done, and then life starts. She’s mortal. Yeah. So now they get. That’s when I realized. Right? And it was funny because it was probably about a week after we had the last, the last podcast about this. She she called me up and I was kind of take it back. At first. I’m like, oh, you know, we actually just talked about this. So yeah, I’m kind of surprised at it at the, you know, especially being in your position and your line of work being, you know, obviously more dangerous than most professions. I would think that that would be kind of part of the process, as they would have you set some of that stuff up. You know, I think it seems like that, wouldn’t you think, Cindy? I mean, that kind of crazy. It’s it seems like dangerous jobs. It would be proactive with that. You would think so. When you do go into the hospital, lots of times, if you’re going in for elective surgery or you mean maybe not even elective surgery, just surgery that you have to have, they will often ask you, do you have a power of attorney? And if you don’t, you can do it in the hospital. And it’s a very simple form, that they have in the hospital. But but, you know, if you’re in a car accident or you get hurt in the line of duty, you know, you need to have these documents in place so that you have somebody to act on your behalf if you can’t. But you know what? I’m sorry. No. I’m sorry. Go ahead. I mean, I take your point, Mario. You know, you said that for your dad. Your uncle was a was the power of attorney because he’s a doctor. And that makes a lot of sense. You know, you choose somebody that it takes that emotional, responsibility off of you. And it’s also a medical professional. So you think he’s probably going to know best what to do? Yeah. A situation that I would have just been mortified to have to make the decision. Right. I just would have been it just I was the wrong person. I would have consulted him regardless, you know? But you know, I have it. If I did have to make that call, I would have been in a really bad situation. So. And, so does it matter these, these all these documents that you’re referring to, are these just across the board, state to state, you know, it’s the same or does it or is it one of these things again, where it’s state by state, it’s different. It’s all state by state. What is that? So every state has different laws about what you can put in the documents. They’re all going to be pretty similar, where it seems to vary state to state is what you need to make it valid, you know, does it need to be witnessed by or people? Does it need to be notarized or not notarized? You know, can it be handwritten or not? Does it need to be, you know, typed out, what’s the, what the qualifications to be, validly sign? You know, some people this is really back in the old days, they couldn’t sign their name, you know, so they’d make an X. So there were requirements for people to be able to attest that it was the person who actually made the mark to sign the document. So but a lot of that has carried over and it’s still in the Arizona statutes. But so the, the documents typically, and I don’t practice anywhere but Arizona, but they’re similar and just really the execution of what needs to be done in order to make them valid under state law seems to vary state to state, but they are going to be very similar documents for the most part. So going back to your situation with Nebraska. Yeah. But so if, if, if you just have a family that lives in Nebraska, but they did documents in Arizona, but they live in Nebraska, how does they do documents in Arizona? No, no, no, she lives in Nebraska. Run. What if he would come and did that though? Oh, she was saying like if it was like flip flop, like maybe she lived here or what if you just signed them here in Arizona, but you moved Nebraska right now and then you passed. Yeah. Still, they’re still valid in the state where you did. So if you did them in Arizona en route to Nebraska, they’d still be valid in Nebraska as long as they were valid where you sign them. Under the law, where you sign them and like my documents, all say that they, are our, interpreted under Arizona law because I’m an Arizona attorney in anoa Arizona law is. But she even if she lives in Nebraska and she does all of her documents in Nebraska, she can appoint you even though you live in Arizona. It doesn’t matter. It just means that whatever actions you take, they’re going to be, bound by Nebraska law. So if Nebraska law was somehow different and it said you can’t pull her off life support, then you’d be bound by that, you know? But it crosses boundaries. You don’t have to name somebody in the same state, but you usually do do your documents in the state where that is your primary residency. So, so obviously life circumstances change, right? So it’s probably pretty common to kind of start up your initial set of documents. And just every so often periodically update the documents. It’s correct. So you should, update your documents whenever you have a major life event. A death of a spouse, a divorce, children, grandchildren, and for powers of attorney in particular, financial interest institutions don’t really like them to be more than five years old because relationships do change. And somebody that you trusted years ago may not be alive anymore, or you might not trust them. They not may not be in your life anymore. They may be having drug or alcohol problems. So financial institutions typically like you to redo your documents every five years, powers of attorney every five years. And medical professionals also prefer that they are within the last five years or so, so that they they’re sure that you’re, appointing somebody that you still want to act on your behalf. You know, even if you’re appointing family members, you, you know, family relationships go up and down. Sometimes you’re estranged and sometimes you get back together. So it’s really important to keep them up today. And it’s not hard or expensive to redo these documents. So what do you have to do if you had to redo it, like if you want to didn’t want to change anything and it was, is it just signing a new thing or addendum or something you would. So for health care powers of attorney, I just print off a new and, you know, a new document that would be exactly the same. It wouldn’t have changed at all. And you just take it in front of a notary and your witnesses and you just re sign it. As far as wills and trust go, you do a quarter soul to a will so that you’re only changing the one little, or little things that you need to change, like who you want to be your personal representative, or if you want to divide your property a little differently. And it basically just says, you know, my last will and testament, I want to keep everything the same, except I want to change paragraph, you know, article B that said this, I want it now to say this. And then the same thing with the trust is you just do an amendment to your trust and you just change the one provision or the two provision that you want to change, and then you just attach those amendments to the rest to your estate planning documents. You put them in the same place, so they can just refer to that, and they all refer to each other. And you always have to report is that a separate recording? You don’t typically record your trust or your will. You record your certificate of trust so that there’s proof that you actually have a trust. And it has very limited information so that people don’t know what your whole trust says in the property that you’re having, who’s going to get what you get. But it’s enough to give people the knowledge, do you what the name of the trust is when it was formed, who’s authorized to act on your behalf and what their powers are? And that’s all you’re supposed to have to turn over to somebody to prove that you have a trust. Although sometimes banks require you to give them the whole trust document. And not just a certificate of trust, but. And then so that’s really the only thing that you record and it’s like two pages, you know, it’s just a portion of your trust. And then the other thing that you typically record is your, your, warranty that transfers your home, your real property into your trust that needs to be reported. So it’s a matter of public record that it’s now in the name of your trust. But otherwise everything else is pretty private. Then the living well and all that stuff. Yeah. So so we’re looking to getting back to that because that’s really intriguing to me. Right. You know, especially to avoid it seems like anybody anytime there’s siblings you should definitely. It’s a responsible parent thing to have that living living will there. So that way you don’t have, bickering amongst you know, I have two girls and I’d hate to see them get sideways with each other because they felt differently on how to handle a situation with me. Right. Yeah. I mean, so it sounds like it’s really kind of irresponsible of me as a parent to not have that living well in place of, hey, this is what I want. Pull the plug at this stage, don’t pull the plug, whatever that may be. And sounds like that can easily be avoided. That that bickering, internal bickering, even if they disagree. Either way, these are dad’s wishes, right? Yeah. I just creating that document. So that’s that. That’s interesting. I didn’t really I’ve heard of it, but I didn’t think about it for myself. You know, that’s exactly right. And that, you know, you do have especially with siblings, especially if there’s, I mean, your girls go on. Great. But a lot of families, they don’t get along and the siblings don’t get along. And so if you don’t have it documented that this person makes the decisions for me, then you really do have a lot of animosity and a lot of hurt feelings and a lot of, you know, you could end up in court, you know, because somebody’s one, one of your children wants to do one thing and the other is fighting, you know, not to do not to do that. And you would end up in court. And that’s a terrible situation for everybody and so avoidable. Yeah. And so what is it kind of mentioned it then the last one that kind of happened with my family, they they got you know, I don’t know how much my grandpa had documented with their kind of stuff, but there was a lot of like bickering about who could make this decision, who can do this. Like and there was a lot of they had a lot of tension for a while. I think there’s still a little bit of it going on, but yeah, it’s definitely up until then, didn’t exist. And then after there’s been a lot of like animosity and they’re not talking to each other and like stuff like that. So it was tough at the time. Yeah. Sounds terrible fingers. I mean that could ruin their relationship for the rest of their lives because they disagree with how something was handled. And a lot of it is religious. So if you don’t, you know, have the same religious beliefs or siblings, you know, differ. Some leave the church and some, you know, go to a different church. So it’s really important that you especially if you have, you know, multiple children, who are not going to agree, it’s important to appoint somebody that to make that decision. Do you ever see people put that in their I want, you know, have my my wishes are to coincide with how the Catholic philosophy would handle the situation. Do you ever see something like that or is it more specific? Yeah, I don’t put that in my documents because I counsel my clients to talk to the person. But they’re, you know, that they’re appointing and typically and I use that I use that example because so many of my clients were Catholic. You know, that you really have to have a conversation with your kids. Are they still, you know, abiding by what your faith goes by? Or if they are, certainly have a difference of opinion or they’re not, you know, they’re not attending church as much as you are. Just have that conversation. Most kids will do whatever their parents want them to do. I think where you really see the disconnect is not when somebody, it’s more when somebody wants to be taken off life support, but the person that they’ve appointed is morally they find that morally reprehensible, that they can’t, you know, pull the plug. That’s where you have the disconnect. Ordinarily, if you’re saying you want to be kept on life support, nobody’s going to say, my mom wanted to be kept that life support. But I know because I’m pulling the plug, that typically doesn’t happen. It’s usually the other direction. And so some of the living, the living will and but that trumps the power of attorney. It sure does. Sure. The living will is, you know, it’s black and white. If it’s a situation, this is what I want done. And nobody makes that decision for you. You’ve made that decision. It’s clear, and nobody has to feel bad about it. You know, nobody has to feel like they had to make a decision because you made it. And the, the, the medical providers just, you know, obey your wishes so that. Yeah, that’s a most important one, I would say. Yeah, it is to stop the bickering and fighting, and to have your, your children and loved ones not, you know, sit there and second guess their decision. Right. Because that’s the hardest thing. And a did you do the right thing? Yeah. And you’ll never know. Right. That is the hardest thing, especially if you don’t really know. You know, it’s sometimes it’s not % clear that the person will never get better, but they might be suffering. So, you know, it’s it’s a tough position to be in. It was tough. I mean, with my dad, I mean, it’s it’s bad. There’s a bad situation, you know, I was in there or what? We ultimately had to make that decision. It was it came down to that. And, and, fortunately, everybody was on the same page. And so my uncle didn’t have to, go over anybody’s head. Right. So that was nice. And I think, you know, that made him feel a lot better. But heaven forbid he had to go over, but, you know, had to make a decision that disagreed with one of his siblings. Yeah. Right. From for his brother then that would have created a lot of problems. So, it sounds like the living will is super critical to avoid Supreme Court. So the only just any kind of inner bickering and fighting and. Oh, I never really thought about it, but that’s really the whole purpose of estate planning documents. It’s just to it’s really it’s the most, the kindest thing you can do for the people that are left behind to have named the people that you want to act on your behalf so that they don’t have to go to court and figure it out, and to tell everybody how you want your property distributed and how you know, the decisions that you want to be made if you, you know, can’t make decisions on your own. It’s really, anybody who’s been an executor to a will or a personal representative or an administrator of a trust. It’s a thankless job. It’s a lot of work. It’s not fun. It takes a lot of time. But if you haven’t left directions and they have to start from scratch and they don’t know what you would have wanted, and they if there’s disagreement and they have to go to court and you fight about it and there’s money spent, it’s just really the most responsible thing you could do is to get your documents in place so that everybody knows, who’s supposed to be acting on your behalf and how you want things done. Well, this is, you’ve opened my mind a lot. There’s something I’ve got to get done. Not only the trust, but, I mean, it sounds like I need to get this living will want it out. Yes. The first. The first episode. Put that in my head. Like, man, I need to get this done. So especially the privacy sign, right? I mean, that was really eye opening. Yeah. So it sounds like again, Cindy, thank you so much. I think this was very informative. This is a great, you know, it’s a obviously, not a fun topic, but it’s an important topic. So as much, madam is really want to. Yeah. Stop and deal with it. It’s something we really just as a responsible aging parent, right? You know, I just had a best friend call me today. Was his sister, years old, you know, is just this is never know, you know, and, so, kind of it hits home, you know, until, until somebody close to you goes through it. You really just kind of, that’s down the road. Exactly. That’s down the road, how most people view it. So I played them for you, Officer Ty. I mean, it’s really important for you in your line of duty because you, you know, you never really know where you put your life on the line every day that you go to work. And so you need to have, you need to have your, your wishes known. It’s very important for first responders and officers and law enforcement and military. I’m really surprised that that’s just not part of the process. Yeah, I mean, it that’s really shocking. That probably should be a conversation that people have and like it needs to start, you know, it. There needs to be maybe more of an emphasis on getting getting guys to at least start thinking about it. Why? Don’t even know why they wouldn’t even have to do, basic some basic stuff even in the academy. Well, I think actually, I think I said in the last episode, like I think they do it a couple times a year, but they’ll do that. Wills for heroes, and it’s a free service and, you know, they’ll send it stuff out. And like, I don’t think that many people do it. But surprisingly, you know, I’ve had multiple times, like even when I was in law school, I didn’t, you know, I, I volunteered and did some of that stuff and I still they get it done. So I don’t know if it’s one of those things like we talked about last time or just you don’t want to feel like it. It makes things more real, like it makes you think like shit, like something could happen to me, like, you know, and I get to think about this stuff. So it’s almost like you’re tempting fate. Like, if you do do it, then it’s like, acknowledgment that, okay, now, now something could happen to me. Like you cheats on yourself. Didn’t you tell me, you, me, that you created an easy path for people to just online, go through an answer of various, you know, some tempo times questions to make the process a lot simpler for people. Could you tell me? Look, we’re in the period. We’re in the process of getting that up and running. Now, we could code it all the documents, we’ve got the website done, and we’re getting ready to plug it all in. And it’s really for because we asked me when, you know, the age limited the people that I, that I talk to my clients and that’s the one thing is, if they’re younger and they have younger kids and they’re going on a vacation, that’s when I often get the call from the younger people saying, we just realized, my wife and I are going on a plane trip, and we’re going to be away from our kids for the first time. And if the plane goes down, we need a guardian or conservator appointed for our kids. And that’s the only time I get a call, you know, call from younger people usually. But I’m putting these documents online so that if you, you know, if you’re thinking about it, you’re getting ready to leave town or there’s something happening, you and you don’t want to call an attorney, you don’t want to go to the expense, and you don’t want to talk to somebody. You can fill out a questionnaire, hey, you know, online. And then it’ll, you know, once you answer the questions at all, generate the document and then you just take them in front of a notary and in front of witnesses, and you sign in your Donny, and it’s hopefully going to be a very easy, painless process. So we’ll see. Is that and you say that’s almost up and running or is up. Yeah. It should be up and running in the next month or two. All right. They already have a with a website that people can look for. Can you do it. It’s going to be my Phoenix legal. Let’s see you my Phoenix legal team.com, I think not % sure. And, Yeah, make sure. All right, well, either way, we’ll make sure we get that, correctly across, or across somewhere in, in the comments to make sure people can find it on our city. Thank you very much for coming on board, taking the time and taking the time to educate us a little bit. I appreciate sounds like there’s, we could really spend some time probably deep diving a little bit on each of these documents, I imagine do’s and don’ts and are things to be aware, aware of, right? Maybe not. It probably isn’t a good do or don’t. It just depends on your situation, right? The ultimate word depends. It always depends. Yes, it definitely seems that there’s more more that we go into with this stuff. Well, and maybe next one, I think some I think one thing that’d be very interesting, especially in today’s environment, is some of the blended family challenges, right? I think that could be a really big topic. Yeah. I mean, right here, you know, we do them right here. Yeah. I mean, it’s just it’s just very common in today’s world. And so it’s not really I’d be really curious to have some conversations on. Yeah. And some struggles with that. You know, what people are trying to what they’re having to kind of address things to consider. Yeah. Right. I think that’d be a great topic for the next time, if that’s okay with you. We absolutely okay to. All right. Well awesome. Well, I think that’s probably a good jump off point. Yeah, I think so too. And, you have any other questions today? Just. No, I don’t think so. I think there’s, I think some of the broader topics maybe, but we can get into no time. But what we talked about today, I don’t have any other questions. Okay. Cool. This was this was great talent wise. I don’t run along. It was. But I’m sure it was longer than we realized. Yeah. Okay. Well cool. Thanks again. High five.