Transcript
Okay. Good morning everyone. Today is Tuesday, March 24th. It’s 10:00 AM Pacificstandard time. you are joined by the legal team at family law matters on our dailypodcast to discuss current issues concerning COBIT 19 and how it affects the legalsystem. Please do me a favor, make sure that if you have any questions that you sendthem to us or you raise your hand and we will get to your question. As of now,everyone will be muted just to ensure that we get, we allow the panel to speakclearly. and without further ado, I’m going to start by introducing the panel of Gina.I’m going to start with you.
SPEAKER 2
Sure. I’m Tina family law. I’m one of the partners at family law matters. I’ve been an attorney for going on 23 years in may, nine years practicing in orange County, 13 years here in Riverside County and I’ve only practiced family law my entire career.
SPEAKER 1
Thank you. Gina. Ms Colleen, you’re up next.
SPEAKER 3
Good morning everyone. My name is Coleen Robinson. I’m a family law attorney here at family law matters. I’ve been an attorney for 10 years, as of December. And I also have some unique training background in that I’m also family law mediator, in that I can mediate divorce cases to a final resolution which we’re going to be talking about this morning. and I, have been helping families in that Avenue as well.
SPEAKER 1
Thank you Colleen. And then Christie, you’re up next
SPEAKER 3
morning everyone. I hope everyone is safe and healthy. My name is Christie bergamot. I am a senior attorney here at family law matters. I’ve been practicing family law for the last 17 years. I also have unique experiences
SPEAKER 2
and mediation
SPEAKER 3
and I was a judge pro tem for three years in orange County. which will also be a part of our topic of conversation today.
SPEAKER 1
Perfect. Thank you. And I am Bashar Shahada. I’m also an attorney from the managing partner of family law matters. I’ve been practicing for two years now. but again has always joined by an amazing, wonderful, legal Hamilton’s got decades of experience. So Gina, I’m going to start with you. Today is going to be a little different, a bit unique. today we’re talking about how we can move the cases along even though the courts are temporarily closed. Are there other options to litigation
SPEAKER 2
Sure. Thank you. I like to say anytime you have a controversy there’s two ways to resolve it and that would either be to agree or to go to court and litigate. As we know right now the courts are closed as of right now till April 3rd, so there’s about a week right now where the courts are not going to be open and there is no Avenue to go to court to resolve people’s controversies. Hopefully the courts are going to open on April 3rd hopefully everything will go well. There will still be a significant delay though because approximately, three weeks worth of cases have now been continued out. We are all anticipating court congestion once the courts reopened. So since we don’t have the ability to litigate, we need to find other avenues. As far as a green, there’s a couple of different ways we can agree to resolve a controversy.
SPEAKER 2
We can do it ourselves. Obviously that would be the best way to do it. Pick up the phone, call the other side, communicate with them and try to reach an agreement. Many times though, that doesn’t work in family law. Why Because people in family law or experiencing conflict with the other side, that’s why they’re going through a breakup. That’s why they’re no longer together. There are no longer interrelationship and usually they’re very Mmm, they don’t trust the other side. So then the next level above that would be to hire an attorney. An attorney could then negotiate before you and maybe get across your point to the other side without having to necessarily file papers and go to court. Sometimes just having an objective third party to look at your situation and maybe help the two of you come closer to the middle. You know, wife or girlfriend moves towards the middle, husband or boyfriend moves towards the middle and pretty soon you’ve got an agreement without having to necessarily file papers, running to court and litigate.
SPEAKER 2
Beyond that, we have the ability to mediate. That is also where the parties try to agree, but it’s with a neutral third party. So if you were to hire an attorney, I as your attorney would represent one side. My job would be to get the best deal possible for my clients and not worry about the other client at all. I would be a one sided, expert if we decide to go the mediation route. Then you have a neutral expert, somebody who does not represent mom, does not represent dad, but he’s very familiar with the courts and knows how to reach an agreement and knows what the court is going to order without you necessarily having to go to court. Mediation is a great alternative for those who don’t want to drag the kids through a horrible custody battle who don’t necessarily want their dirty laundry to made public who are open to negotiation and compromise but can’t do it themselves. And then the final, alternative would be what we call arbitration. That’s where, because the courts are closed, we hire a private judge to come in and actually make orders. In your case, perhaps you can’t wait till June or July to get into court. You can then have a private person make those court orders as though you were standing in the courthouse in the courtroom listening to the judge and they become binding to the parties and it can happen virtually immediately.
SPEAKER 1
So, Colleen, on the topic of mediation and I want to dissect each of those individually on the topic of mediation, tell us a little bit about your background, about your training and well, how does mediation look like for the parties
SPEAKER 3
I love talking about mediation, so I’m really, I’m very excited to talk about it this morning. So mediation, let me just start that. Being a mediator in the state of California and many States, there are no certification requirements. You don’t have to be an attorney to be a mediator. But in this particular situation, I am an attorney and I think that makes, and I’ve only been practicing exclusively in family law for the last 10 years. So I’m intimately familiar with how the family law system works and getting enough court orders and dealing with enough cases that I have a general idea of what’s likely to happen in most cases and are presented to me as a mediator. So with my unique background, I can really give clients who want to mediate their case a much better idea as to how your case should settle, from a legal stance standpoint.
SPEAKER 3
So it’s a very good guidance if you ask me. versus going to somebody who may not have a legal background and I’m not saying that they’re not, they’re not, they’re not helpful. But I think that my legal skills certainly tie in and, are very useful in this situation in terms of mediation, mediation. the process and how it works is that, you’re in control. The parties are in control of the outcome. What I tell people is that, and I tell these to my litigating clients too, is that, in Christie and Gina can both agree to this, we go into court and we go into that courtroom. I’m not in control anymore. The clients aren’t in control anymore. The person who’s in control is the judge and they’re the ones that him or her are gonna make decisions that are going to impact you financially and your children.
SPEAKER 3
But the mediation process allows you to retain some of that control and that you have a direct impact on what the resolution’s going to be and your working with the other party to come up with the resolution that’s going to make most sense for family. We’re a judge, especially down here in Riverside County and in San Diego County. They’re relying heavily upon mediators that through CCRC and family court services as to what order should be in place for your children. I, you know, some judges spend a lot of time reviewing your file and some judges don’t and they’re again, the ones making the decision on how to, on, on orders that are going to impact you financially and emotionally when dealing with your children and your finances. So if you have a, a bigger role in the outcome to me, I think that you, in my personal opinion, I’d want to do that every single time.
SPEAKER 3
Obviously that’s not going to, that’s not applicable to every case. Some people do need more of a judge orders so to speak in their case. But mediation, which is what is so wonderful about mediation is that we can create it and bring in tools on depending on the case. So for example, if there’s any financial issues, cause I’m not an accountant for one, there’s any sticky financial issues. We have like an old cart of other professionals that we can pull in to assist us to give everybody the information to use to make the orders or not make the orders. We’ll make an agreement to get your case resolved. So that’s either pulling in accountants, it’s pulling in. you can do private file custody evaluators. You could pull in real estate agents and brokers. I mean, the sky’s the limit. There’s so an account, I already said accountants, but there’s variety of professionals who are very committed to mediation, divorce, mediation cases that want to participate and help families reach other resolutions outside of the courthouse.
SPEAKER 3
So we can craft and create your own unique mediation plan and involve what other, any professionals that you may use even in the litigated case, but it’s probably not going to cost as much to bring them in and you’ll get a quicker resolution as well. So the statistics involving mediation are really are very favorable. most cases when you are able to use the right tools and the right, whether that’s to be involving the right professionals and are involved involving the right communication tools, they do settle. So I think it’s a great alternative even outside of our current, environment with coven 19 and how it’s impacting where it’s likely to impact the courthouses. I think it’s a great tool for any, any, anybody going through the divorce process anyway. So, again, it’s, it’s, we can tailor a tailor a mediation to just about any, any situation or any, any case involving whatever your assets are. But if there’s custody, I hope that answers your question there. There may be more. But anytime that you can, you have a stake at the table, you have a bigger seat at the table and you have control over that. I think that’s always everybody’s messenger.
SPEAKER 1
So let’s, let’s talk about some statistics. So, our participants understand the importance of this topic as it relates to what’s going on right now. So on average, let’s assume that you know, all is well and the courts are open. How many cases on average do not go to trial
SPEAKER 3
I don’t have the exact number in front of me because those are locked away and our closed down office, but it’s very, very high. I want to say that for the most part it’s somewhere between, I believe, and I can go find the statistics. I want to say it’s over 80%. It’s very high as to the number of cases that actually go to trial through the court system. And what the court system does to both in Riverside County and down in San Diego County is that they require the parties to go to what’s called a mandatory settlement conference. Both of those counties handle those differently. They are like mediations. They’re down in San Diego County. You involve a private, like a private judge that is volunteering their time and those cases that have a very, very high settlement rate. so and so the, again, the, the pushes down, the trial numbers because the courts just don’t have a lot of availability for trial as well. The time for trial. and in Riverside County they do something similar but there is no third party judge there to assist you and move your case along. It’s just the parties coming to the courthouse and sometimes it’s all you need is the parties just to be sitting together at the same place the same time talking about the issues and trying to come up with something that everybody’s going to be agreeable with.
SPEAKER 1
So the statistics that you just refer to, because I do have them pulled up now that you brought that up, it’s 93% of our cases actually settled. So only about between six and 7% of our cases go to trial. so it’s a huge, huge difference. Now do people who mediate have a lower chance of returning the court in the future
SPEAKER 3
That’s a really good question and I’m glad you asked that because I forgot to mention that. Yes. Because what I try to do as a mediator with my experience in family law is to get rid of the uncertainties that lead people back into the court system. So we try to get a bigger, we’re not here just my philosophy is we’re not putting a bandaid on it just to get an agreement, a quick agreement. We’ve got to think these things out through and more than just the immediate future. But what other steps can we do to prevent further litigation in the future Granted, we may not always be able to do that. But it’s, to me that’s important because I’m trying to get people to get along and to avoid conflict. And we’ve talked about this in other podcasts that that is in the best interest of the kids. It’s in the best social, so the parents of both financially and emotionally if they’re able to work things out. So that’s what we try to include in our media mediated agreements is what can we do more longterm to avoid future litigation. in,
SPEAKER 1
and I know that you talked about having a wide variety of experts that we could bring into mediation. I want to focus specifically on the custody aspect. So is there a child custody recommendation, counselor expert, but people come in and help with the issue of custody because I know right now the recommendation that child custody recommendation counseling is not open. it’s closed as well as the courts. So in, in with respect to experts in that area, how does that work
SPEAKER 3
I think that if you, if you can hire an expert like this, I would do this. I’ve re single day of the week. you’re not limited. So yes, there are people available that do that, that either, they work directly for CCRC in Riverside or down at family court services, and now are in private practice. You have much more time with these individuals to sit and talk to them and work something out. Then the two hours that you may be shuffled along at the court house. So I feel like parents going through talking to these private has to be evaluators. They’re going to get more information and they’re going to walk away from that experience thinking this person really understood me. They understood my kids, they understood where I was coming from because they have the time to do it where the court employees don’t because they have, I think those CCRC mediators that have one of the most difficult jobs at the courthouse and they have, they see so many families.
SPEAKER 3
I w I, I don’t know how many they see a month, but it’s a lot. But you’re given two hours and in those two hours they’re going to try to come up with something the fit and their templates that they use to give to the court. So if you’re able to use a private child custody evaluator, they’re really going to spend the time with you and, utilize whatever other contexts they need to make the recommendations that they think are going to be in the best interest of your child. So they’re not restricted the same way that the court employees would be.
SPEAKER 1
So again, back to the topic of custody, cause right now with everything that’s going on and the fears and the panic that’s going on, everyone is experiencing some sort of custody problem or custody issue right now. How does mediation help resolve or put, you know, or temporarily resolve the issue that people are experiencing right now What can they do
SPEAKER 3
well I again, I think when you just have both parties just talk about these issues. And I think I said it before, that, Oh, the one of the large, one of the largest problems I think that people have, whether they’re, you know, parents have is that they’re just not communicating the same language to one another. and when you’re able to get two people just to sit down and his air out, their differences in a, not a free for all or like WWF green or something along those lines, but when we can try to figure out what the heart of the matter is and then moving from there is like what resolutions can we come up with that we can all agree to. It might not be your most ideal situation, but it’s something that we could all live with and that’s going to serve the children and serve us in the end because now we’re no longer in conflict. So I don’t know if that answers your question, but
SPEAKER 1
let me try to rephrase it a little bit. The problems that are happening now, how can you as a mediator help them resolve the emergencies now What do you recommend that they do now Obviously using you as a, as a, a resource and a tool
SPEAKER 3
Well, again, it’s just bridging the communication problems. Like I what I, what I’ve found in my mediations is that you have generally two different personalities that are just speaking, like I said, different languages. So it’s finding what the concern is of one parent and translating that into whatever the language is of the other parent. And I’m not saying they’re not both speaking English, but it’s almost like that it’s because one person is speaking, you know about, logistics or something along those lines. And then, then you have another parent who’s just speaking on the emotional aspects of it. And so they’re just like parallel talking to one another. So it’s finding, finding what the commonalities are and having each party understand where the other one’s coming from. And then again, it’s moving from there. What can we do because we’re restricted with going to core at this time, to make an agreement that we can all work on, at least for the time being.
SPEAKER 1
Thank you Coleen. Crystal, I’m going to move on to you next. There’s that sound in the background on your end, please. Gina, in the meantime, while Christie does that, Christie, I’ll come back to you. The the biggest issue that we have now is the immediate relief. Can we get immediate relief now
SPEAKER 2
Yes. If people are experiencing emergencies such as custody emergencies, people are having controversy as to where the children should be. For instance, we just had an issue this morning where a client’s, the, the parent, one parent is stuck in another country. The children are left unattended with a parent available. we have an issue where a custodial parent was not returned the child. If you have these type of issues, you’re laid off from a job you can’t pay support. There’s no guarantee you’re going to be in, in court next week. There’s no guarantee you’re going to be in court in the next three months. We can help you. Now we can resolve these emergencies. Now we can do that either by using one of our experts to help you reach an agreement. Or we can help you by using one of our experts to make court orders. But either way, if you’re experiencing an emergency, we can provide you immediate relief.
SPEAKER 1
Thank you Gina. And then Christie, I’m going to ask you to chime in on this question.
SPEAKER 2
I think it’s my computer, be it, it’s making a noise. I think it’s been on so long that it’s like the little engine that could,
SPEAKER 1
okay. Not doing it right now. I think it’s when you put it down on the platform, but it does that, that it echoes.
SPEAKER 2
Yeah. Okay. So I’ll hold it. How’s that
SPEAKER 4
Multitask. Okay. So as far as, court is concerned and we did get a question and B, I’m sure you’ll, you’ll address that. But as far as the courts are concerned, you know, you know, my background is a little more litigation focused. like I said, I have served as a judge pro tem in the orange County courts for three years. I am, I’ve been appointed by the judges in courts all over Southern California to be minor’s counsel. So I have a unique perspective of the system and rest assured it will open again. There’s no doubt that it’s going to open again. But I think what we’re addressing here is what that’s going to look like and, and what do we need to do in order to move our cases along in this time of, and it is a crisis. And I think another aspect of Anne Coleen spoke very eloquently about that, the pros to mediation and I absolutely agree with her. I settle a significant number of my cases in that way as well. but sometimes, and again, I do a lot of the litigation at this firm. Sometimes things just can’t be resolved by agreement. The parties positions are simply too
SPEAKER 3
divergent. and they’re significant issues. Like, you know, whether the child should go to one school or another or districts or you know, districts one school is a higher, you know, academically than the other. And, but the other, you know, those kinds of things move away. Those are clearly issues that probably can’t be resolved by mediation. You know, does the child move to Texas or not You know, both parents want the child with them. That is not, you know, that is not going to settle probably. So another aspect in something that we’ve been discussing at this firm is that there’s arbitration. So we can’t go to the physical courthouse, we can’t have our matter heard. The courts at this juncture do not have the capability as far as I know, to do video conferencing, prior calls or and so forth. And especially now because of the health risk, I don’t think every judicial officer’s set up at home to do what we’re doing here doing here.
SPEAKER 3
And in fact they usually are the least tech, technologically savvy individuals. So I don’t think that that’s going to be a longterm solution as far as what we’re experiencing right now. I just see that as being realistic at all. So what do we do Well, I have vast experience in the court system, so I have the unique ability that if the parties agreed, I could act as an arbitrator, which means arbitration can be binding. So I hear all the evidence. I hear the parties position, right, I see all the witnesses, I hear all the witnesses, whatever. And then I make a decision. It’s kind of like having a jacket is like having a judge make a decision. And with arbitration it can be binding and it will be binding. And those are all agreements that the parties can reach at the outset. They can set the parameters of what it is that they need to adjudicate. and that’s where an interesting hybrid could happen as well. Coleen axes, the mediator can negotiate or mediate certain issues and then save the ones that, you know, just simply can’t be mediated. but we can do it all. And I think with the most important message to everybody right now is that while it seems, while it seems that everything is just halted, it hasn’t, you know, I know, I know that, parties obviously come to us to resolve their, their issues. Like, you know, they want
SPEAKER 4
to dissolve their marriage. I mean, that’s just not going to be put on hold because, the courts have shut down. currently. we can move forward, we can send messages, we can negotiate terms all during this, this pro, this crisis. And I think the clients need to be assured that we are continuing to work. And again, if we can stipulate to some alternatives like arbitration, like mediation to get further resolution of your matter, then that’s, that’s what certainly we’re going to do.
SPEAKER 1
And then Christie, if someone comes to you with an emergency and needs court orders and obviously mediation is not working, how long, would it be before you get them in the
SPEAKER 4
that’s really it’s a case by case basis because what the order is right now from the courts is that it’s non essential or strike that it’s any non-emergency are close. So if we have an emergency we still can appeal to the court and file our paperwork and hopefully get, get it, you know, whatever orders we need. Granted, especially restraining orders, those are just essential. They have to remain open for that. But absent those kinds of ads, exigent circumstances and like custody issues is pursuant to family code section 30 64 which says that it is the child is in danger of some sort not, and I don’t think at this juncture emotional danger per se is going to suffice right now. you know, we hear a lot now the buzzword is like parental alienation and a lot of my clients come to me and feel that is an emergency and it is in normal circumstances it’s something that we have to go to court to resolve, but I don’t think those are the types of emergencies right now that the court are going to act on. But he pure your bags, keep your, you know, like I said, you will get an opportunity to address these issues. I just don’t think things like that are going to be deemed an emergency right now.
SPEAKER 1
Now on the other hand, with arbitration, right, we talked about how long it could possibly potentially take what the core, now with arbitration, how quickly does that process move in comparison
SPEAKER 4
Well, I think, you know, depending on where you are at in the case and how in depth you want to go, I mean it just is a matter of putting your case together, having your attorney, putting your case together. And then just figuring out, when all of our calendars are clear, we can certainly do all of this by, video conferencing. you know, we have the ability to send exhibits electronically, so, so everything that you would need to arbitrate, it’s just a matter of getting that information to the person arbitrate and then going through the process. So it, it can be as quick as you want. I, I think absolutely.
SPEAKER 1
In, in terms of your schedule, how quickly can you see them
SPEAKER 4
I, I, you know, I’ve got availability, you know, a few weeks or a week from now. I mean, I can make room for everybody because this is a crisis and we are all very mindful that people have, you know, a lot on their plate. There’s so much uncertainty. So obviously, you know, office hours are 24, seven, as far as I concerned, whatever I need to do to accommodate people in this time of crisis, I absolutely want to do.
SPEAKER 1
So there is no two or three months waiting period. It’s
SPEAKER 4
no immediately, immediately I come see me, yeah. Or Oh no, don’t come see me. But, but absolutely we, we are available. I mean, you know, in this crisis I just want to be available to as many people as I possibly can.
SPEAKER 1
And about arbitration. Is it as binding as a court order
SPEAKER 4
Yes. If you stipulate that the arbitration is binding, then absolutely.
SPEAKER 1
Okay. And then I know there was a question that was asked about the cost and I’m going to defer that because that’s a completely different conversation. It’s obviously way less than attorney that happened to pay attorneys and constantly litigating in court. how, I mean, on average, how much does an arbitrator charge for an hour
SPEAKER 4
Usually it’s the, it’s normally the same rate as an attorney. but you know, I, I think it’s the same rate as like an hourly attorney rate.
SPEAKER 1
Okay. So, again, perks of arbitration if I understand you correctly, is faster just as binding and obviously cheaper.
SPEAKER 4
Oh, absolutely.
SPEAKER 1
Okay. And now tell me what about your experience in the area of or of arbitration and serving as a judge How does that help you in arbitration in what is your experience
SPEAKER 4
Well, my experiences, like I said, I, I was, I, I w I sat judge pro tem in orange County for three prior to moving out here. And I have to say, you know, sitting on the bench is a unique experience. and the first time you do it, it is not only the scariest thing, but it is a, an eye opener as to really adhering to the notion of impartiality. And that means that you have to stay neutral and it is truly a, requirement when you’re sitting on the bench. And also knowing the rules of evidence, what goes in, what comes in and what stays out in terms of evidence. just because the courts are closed, does it mean, and if you go through arbitration, you deserve to have an impartial, fair trial, if you will. And all those rules apply. And I don’t think, I mean attorneys. I think also my experience in litigation, it is truly my, my area. my longest trial was 26 days, which is a month people. So, it, I have, you know, if, if, if I was going to say a specialty or whatever you want to call it, it is litigation and not only just how to litigate, but understanding the intricacies and the, judicial process. rather well,
SPEAKER 1
and I may not have caught it, but how long did you serve as a judge pro tem For how many years
SPEAKER 4
three years in orange County. Prior to that I pretended in LA. ironically enough, I, I was only five years out and I was sitting in Compton court and the judge was sick and the clerk knew me so well. She called the presiding judge at the time of LA County and begged her if I could be the judge. And so the judge in the presiding judge in LA County made an exception to the rule because I should have been, I, I could only practice, I shouldn’t have been practicing 10 years to sit and I had been practicing five and they ordered me specially to sit that day.
SPEAKER 1
And specifically would be an area of custody. You have a unique experience with children. Tell us one more time about that in case we have mountain it.
SPEAKER 4
Oh absolutely. And I think it’s made me a better attorney, a better family law attorney. It’s made me when I was a bench officer is made me a better judge, because I have the unique perspective of seeing this through a child’s eyes. And that means is that an, and usually it’s in the most highest conflict cases you can imagine. And my clients are these little people that, are affected by the high conflict that is, you know, regarding these proceedings. So, you know, what I do is that I usually meet with them and obviously and you know, meet with them, with their parents, both of them or all of them, you know, and, and I do and I develop a relationship with the child. And what I am there to do is advocate for the child, which normally is counter to what the child actually wants. It sounds weird, but I have to find creative ways to not only satisfy the child’s needs, but what is in the child’s best interest. And normally what the child thinks is in the child’s best interest isn’t. so it is very difficult. it is a, it, it is an arduous process and again gives me such a unique perspective on, custody cases. It really does.
SPEAKER 1
Thank you Christie. And I just want to take a moment to kind of recap the purpose of this specific podcast.
SPEAKER 5
Mmm.
SPEAKER 1
If you are having, if you’re experiencing issues or problems right now, the court is not the only Avenue. There are multiple other avenues. We talked about mediation. We talked about letters and negotiations and going back and forth. We talked about voluntary settlement conference, we talked about arbitration.
SPEAKER 5
Mmm.
SPEAKER 1
The core is not the venue right now. It’s not open now, but that doesn’t mean that everything gets put on hold. There’s also the, again, for those exigent circumstances, there is also emergency relief. But what we really urge our listeners and our participants to understand is that there are other avenues and this is the time to take advantage of that because when the courts reopened, there is going to be congestion. And even if you’re seeking the relief from the court, you’re going to get a spot in line, but it’s gonna take some time. So this is what we are here for. If you’re having an issue rather than waiting four months to resolve the issue, take advantage of what we’re here to do, take advantage of your legal community and think outside the box and use mediation, arbitration, voluntary settlement conferences, law letters, going back and forth.
SPEAKER 1
Use that to your advantage. It’ll cost you less, it’ll be a lot faster. And really Ithink the panel highlighted it is we, you are control, you control the, it’s not inthe hands of a judge that may or may not have a good day because there can because thecourtroom is congested. But again, the message is we can help you. That’s what we’rehere for and I really urge everyone to take advantage of that. and I think that’sreally the biggest point that we can deliver to you today. The podcast will continue.I want to take time to think the legal panel. and I really appreciate you guys takingthe time out of your day to kind of shed light and discuss these topics and issues.And again, please, if you have any questions or anything, please make sure that youreach out to your attorney, reach out to us. That’s what we’re here for. We’re here tohelp you here now and not down the road. Thank you guys all again for participating.The recording will be posted online on our Facebook page, on our YouTube channel, andcontinue to send us the questions and we’ll filter through the questions and get themall answered. Again, thank you all. God bless us all and hope everyone stays safe.
