Growth & Grace

Wesley Knight 0:00
This is a Kun V studios original program. The following program is underwritten by Crawford management group and Chris glow and does not reflect the views or opinions of 91.5 jazz and Moore the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education even

Music 0:18
better than I was the last time, baby, we back and

we back and we back and we back and we back and we back, we back, and I was the last you eat that.

Leaha Crawford 0:44
Hey, hey, hey, happy, happy. Rainy morning. It's Saturday morning, it's, you know, raining, hit or miss, since about Thursday. Oh, my God, it's cool outside. This weather is temperamental. Good. Good morning. Julian, good

Julian Rosado 0:55
morning. How are you today? Feeling pretty good. I actually love the rain. You actually really, really, do love the rain. Really, really, really, tell me why you love the rain. Really, do love the rain. Because when I spent time in New York, you know, it rained all the time. It rained all it rains

Leaha Crawford 1:09
periodic. What I can say on the East Coast that they're Sunny, it's, it's a pattern, yeah, rain, sun, rain, sun, snow, sun, it's a matter. Yeah. So

Julian Rosado 1:18
I was a buster and a little restaurant. And I used to love coming to work really wet. And, yeah, I really love

Leaha Crawford 1:26
that. Like Seattle, then, yeah, you would like Seattle. Yeah, you would like, well,

Julian Rosado 1:31
I hear Seattle not the same, similar, same as New York, but it's

Leaha Crawford 1:35
raining. It's rainy a lot. It's green, it's pretty. So how do you deal with it being so hot here in the summer.

Julian Rosado 1:41
Oh, I don't. I just don't do it. Just don't

Leaha Crawford 1:45
deal with all right. Well, today y'all, we have a special treat. I have attorney Pamela Jones here with me, and she's going to talk about a topic that I think should be discussed regularly, especially at family meetings when you're talking about family planning, because we're going to talk about trust, estates, wills, probate, if it's something that you were thinking about that you wanted to set up, you want to tune in, because we're going to drop some nuggets every time she comes on here. Because last time she came on, she told me, I needed a prenup. And I was like, I need a prenup. She was like, yes, you needed you're going into a marriage agreement. You need to have some documents outside of the license and a certificate. So attorney. Pamela Jones, welcome to our

Pamela Jones 2:30
show. Thank you. How are you this morning, I'm doing great. Thank you. Well, first of all, tell us a little bit about you. I am an attorney. I've been licensed in 2007 I didn't go to law school till I was 40, I and but I went because of a death in the family and what we went through. So this is sort of a calling for me, and I have have been doing it ever since, and I have my own practice. I started in California and moved my practice here in 2017

Leaha Crawford 2:59
Wow. Alright. So inspiring, that's right, what? How was that, at 40 years old in law school with a whole bunch of 20 year olds,

Pamela Jones 3:05
it was, it was eye opening. I went to work during the day and I went to school at night and got into a good study group with four of us, and most of us, two were younger and and me and one other student were a little bit older and can't, had come back to school. But one of the students asked me, have you done a cost benefit ratio to see if this will really work out for you? Oh,

Leaha Crawford 3:30
wow. And I guess you really had to look at it like I never thought about it like that, but

Pamela Jones 3:34
yeah, right. But it has. Oh, it has. Yes, it has, it has.

Leaha Crawford 3:38
So I know you're, well, tell me what your specialty is, because I don't want to say what is your special. What is your specialty.

Pamela Jones 3:43
Sure. My specialty is estate planning and probate. So estate planning includes Wills, trusts and related documents and and probate is, is the court process. So if someone dies with just a will or no documents at all, their estate has to be probated through the court. Got

Leaha Crawford 4:01
it, and then, I guess you work with accountants too, because tax returns, that's one area of law where tax returns definitely go with absolutely

Pamela Jones 4:09
the decedent will have a tax return, and also a trust. A trust will earn income. Because when someone dies, let's say the typical revocable trust when someone dies, it becomes irrevocable upon their death, and then the trust will have to file its own tax return. So we have the decedents tax return, final income tax return, and we also have the trust has to file an income tax return, which is a 1041,

Leaha Crawford 4:36
and that's only how many returns does the trust have to fall as long

Pamela Jones 4:41
as the trust continues to earn income. So if you have a large estate that there's a lot of investments, and perhaps there's provisions where they don't want all the money to be distributed immediately. They want, for example, a child, to receive income, you know, a little bit of income each month or each year that could. Go on for years and years, and so the trust earns income each one of those years, and it either pays the tax itself or passes the income debt down to the beneficiary by issuing a Schedule k1 to the beneficiary so they can pay the income tax at their own individual rate, which is generally lower than the trust

Leaha Crawford 5:18
tax rate. All right, so you are listening to growth and grace. I am Leah Crawford. This is Julie Rosado, and we are here talking to Pamela Jones about a very it's a very touchy subject, because a lot of people don't want to talk about death. But then, how do you plan for it? What's how many trusts are there? What types of trust

Pamela Jones 5:36
are there? Oh, there's many different types of trusts. Okay, right, right. The typical trust, like I said, is, is the revocable trust. So we've got a family who has a house, maybe a rental, or maybe a couple of rentals, maybe that are in an LLC, and we've got some investment accounts, so that's the typical scenario. And so what we have is a revocable trust so that the family can make changes over time. They can do whatever they can. You even get rid of the trust if they want to, and if they've got that kind of a structure, then that's the most flexible. And the trust itself is not seen as an entity by the IRS. So the individuals, the grantors, who started, maybe a married couple, they file, continue to file their 1040, and it's just business as usual, there's no extra income tax return. They don't have any extra reporting. Okay?

Leaha Crawford 6:24
And okay, well, let's go over that again. So with the revocable trust now, do you put cars and stuff in a revocable trust, or is it just,

Pamela Jones 6:30
you know, actually changing title that the DMV can be a little challenging?

Leaha Crawford 6:34
Yes, say the least, right?

Pamela Jones 6:37
And what i So, if it's a classic vehicle, you know, that's or high value vehicle, then, you know, I would suggest going through that process just to make sure there's no problems for the trustee. But with vehicles that you drive every day, no, yes, with the trust, I'll do a general assignment which will pick up all the tangible personal property, including jewelry, furniture and vehicles and and give the trustee authority to distribute that that property. Okay? Alternatively, if the car is paid off, the easiest way to pass a vehicle at death is to use a DMV form called the transfer on death form, and if you fill that out, give it to the DMV, then whoever you leave your car to just has to take, take the death certificate to the DMV and they'll issue a new title to them.

Leaha Crawford 7:21
Okay? So basically, and, because I know there's a lot of DIY ers out there that think that they can do this on their own, yeah, and I will say it might cost you more if you don't do it correctly.

Pamela Jones 7:32
That's true, you know. And, and, and people will say, Well, I did it. It worked. Well, if, if it's, I've seen it work, because everybody gets along. It was just a really simple scenario, and nobody thought about it, and nobody understood the documents in

Leaha Crawford 7:49
the first place, right? I was gonna say, that's the other thing too. Did they understand the documents? Right? Right? And,

Pamela Jones 7:54
and I've seen it go very bad, badly. I've seen, I've seen married couples think, you know, they go into a partnership with another married couple, and they think that they are going into a partnership, basically, and they put together this trust. They think they're passing their half of the the property down to their kids, but the trust said, no, no, it goes to the to the other couple, and no one understood that. They all signed it. And so, you know, it's it's hard to hard. And the people are deceased, so they can't stand up and say that was their intent. It's you have to look to the four corners of the document and say, so. So it's very important to understand what you're signing. I

Leaha Crawford 8:31
love it. Look to the four corners of the document. Look to all four corners.

Read all four corners. I am I'm gonna use that on tax returns. Y'all need to read all four corners of the document.

Julian Rosado 8:46
Of every page. Must send that in the text. You

Leaha Crawford 8:49
should, you should, all right, so that's a revocable trust. What is an irrevocable trust?

Pamela Jones 8:56
Irrevocable trust would be you can't change the terms, and so you're putting it in, let's take a Medicaid protection trust. So that would be an irrevocable trust. We are essentially transferring the property away from us so that it's not counted as our asset when we go to qualify for Medicaid later. Actually, an exempt a house is an exempt asset anyway when you go to qualify for Medicaid, but we're worried about Medicaid estate recovery. So what happens when you die? Because Medicaid will come back and put a lien on the house so that they can be repaid after death. And so, real,

Leaha Crawford 9:32
stop,

Julian Rosado 9:34
really. How's that possible? Well,

Pamela Jones 9:36
it's state law, and it's, it's well, Medicaid is a federal and state partnership, and in Nevada, yes, so if

Leaha Crawford 9:44
someone is getting Medicaid benefits while they're living, Medicaid potentially can come after their state to get repaid the benefit.

Pamela Jones 9:51
Well, it's not that, it's not that nothing's ever that simple. It's

Leaha Crawford 9:54
never, but the government is never that, right? There's

Pamela Jones 9:56
Medicaid benefits, and then there's long term care benefits and. So if someone goes into a nursing home, for example, that you know that let's just make, let's simplify it. If someone goes into a nursing home, and that's an expensive especially if it's a memory care facility, yes, right? And so if Medicaid is paying for that, and they've exempted the house, for example, so the surviving spouse can stay, or the well spouse can stay there during their entire lifetime, so they don't come after the house until the surviving spouse dies and and so, but they do want to be paid back, and

Julian Rosado 10:29
that's if the payment hasn't been well, no, right? Well,

Leaha Crawford 10:33
go ahead. I'll let you explain. Yeah,

Pamela Jones 10:34
so when you say the payment hasn't asked me again, so that's

Julian Rosado 10:38
if the payment hasn't been followed through after their

Leaha Crawford 10:41
No, they No. They're asking to be paid. They pay. Okay, so they, I'm gonna see if I understand it. They've paid the memory care facility over a period of time for the care so the facility is paid. And what they're saying is that Medicaid, then will come after the estate will want, the will want to be repaid by the estate for the monies that they paid the memory care facility, yeah?

Julian Rosado 11:02
But I'm thinking like, will a loved one? Oh, will the loved one have to repay? Yeah?

Pamela Jones 11:07
No, well, it comes out of the decedent estate, and so no, I mean children, for example, they're not going to have to pay. But let's say I have a house, and my house is worth 100,000 and my bill for Medicaid was 120,000 they'll just take the house and then the 20 there's nothing left in my estate, so they're not going to pursue any of my family after that. Yeah,

Leaha Crawford 11:30
wow. So that's something also to think about when you're long term planning, right? So okay, so that's we got a revocable trust, irrevocable trust, right now. So a revocable trust, does it turn into an irrevocable

Pamela Jones 11:43
trust? When, yes. So if I have a revocable trust as an unmarried person and I die, then my trust becomes irrevocable at that point, because when, if it's revocable trust which is a grantor trust, it uses my social security number, so the IRS doesn't see a separate entity and but when I die, no one can use my social security number anymore. Got it, it disappears, and the trust gets its new tech, new tax ID number, and then at that point, it's irrevocable. It has its own tax ID number in it is going to have to file its own 1041, I think if it earns it, they have to the reporting requirement triggers if it earns more than $600 a year. So got

Leaha Crawford 12:24
it. So what a grants or trust? Basically, you don't need a EIN number for that, because it uses the social security number of the person that created the trust. That's correct. Now, what if it's a married couple that creates the trust?

Pamela Jones 12:35
If it's a married couple, generally, they'll file a joint return. If they file a joint return, then they can have a joint trust. And so it can have a joint trust, usually it's whoever's listed first on the on the tax return, and but they can use either to either tax ID. So I got

Leaha Crawford 12:51
a good question for you. Sure. Got a good question for you. I am married. I don't like my spouse. We have been separated for five years. Okay? I am doing a bunch of things. I'm still married. I still file a joint return, but I do not my new business ventures. I want to set up something, and I live in this community property state. Is there any way for me to set up something where my spouse cannot have access to it if I die,

Pamela Jones 13:18
if you die, or just a lie, right? Well, each, each, each partner in a marriage has the ability to will away their half of the community property estate, so they can will it away to somebody other than their spouse. But if they don't do that, then it goes to the spouse, if it's community property but, but they have the ability to to will it away. So

Leaha Crawford 13:43
basically, even if I'm because I filed that joint return, even if I have the trust for all of my new business ventures and everything that I'm doing, it still automatically goes to my spouse, because it's community property. If I don't have a document

Pamela Jones 13:55
set up, right, if you're married and you didn't have a prenuptial agreement, here we go.

Leaha Crawford 14:02
We go back to the prenup.

Pamela Jones 14:04
Then that business you set up while you were married, all the income you're earning while you're married, that's community property and community income. And if you don't have and if you didn't do a prenup, you can always do a postnup so you can have an agreement with your spouse saying, Look, you take you keep your stuff. I'll keep mine, whatever you earn on your business, which I think is going to fail, and, you know, is yours. It's yours, right? And whatever I get to keep, whatever I earn is going to be my, my separate property income. If you set it up that way, you can certainly, you know, keep track of it that way. There are, there are upsides and downsides, because community property. Just earlier, we were talking about step up and basis if you have community property at the first death, you're going to get a step up and pay in basis on everything, all the community property, if it's separate property, you're only going to get a step up in basis when, when that person passes away. So for example, the. Yeah. So I'm, let's see, yes. So I'm community property, and I've got a house and I've got a rental as community property, and then my spouse had had, you know, something else, as separate property. When my spouse dies, I want to sell the rental, but I don't get a step up in basis, because it wasn't, Oh, I did say that was community property. It was community property, right? Yeah, that I my scenario failed. Your scenario failed

Julian Rosado 15:24
post number four, but that's what let's talk about

Leaha Crawford 15:27
that. Okay, so Pamela Pam Jones, her number 702-370-6102, again, 702-370-6102, what I can say is, when you set these trust up, you want to make sure that you set them up properly, like Pamela, I'm gonna quote it again, read all four corners, and as I always say, the professional. We sometimes we think we're saving money by not using the professional. And normally it costs us more in the end, right? Cost us more in the end. All right, so we talked about revocable trust, irrevocable trust. What other types of trusts? Are there? Popular trust? Sure.

Pamela Jones 16:07
Well, there are a type of irrevocable trust. Is that Medicaid asset protection trust. There is something called a Nevada self settled asset protection trust, and that is typically, if you have a couple million dollars extra and and you don't nearly need access to it, you can put it over here in this separate trust, and it's sort of there in case everything else goes bad, and there's still some money left over here, because it's not your money. You have said it's an irrevocable trust, I'm transferring it over here, there's going to be somebody else who's going to be in charge of making distributions. I can't, I can't be in charge of distributions, because if I was, then I'd have too much control over it. So, so you're really trying to protect your other assets and protect that money, then maybe, maybe during your lifetime. The thing about that's different, about Nevada is that you can, you can still get distributions from that trust, if, if the distribution trustee authorizes it, you can still, you know, manage the property, buy and sell things, but you don't get to decide when money comes, comes out to you and and so the idea is, if you've got that over there, and then, you know, maybe you go to jail and the business over here fails. Whatever's in this self settled asset protection trust will drop down to your kids, and they'll still have an inheritance. Or, you know,

Leaha Crawford 17:31
what do you now? Stop, stop, stop, stop. What is that? Again? Nevada

Pamela Jones 17:35
self settled asset protection trust.

Leaha Crawford 17:38
Nevada self settle asset protection trust, right? Yeah,

Julian Rosado 17:42
with my clients. I heard of that before. But do you get to choose the the trustee? Yes. I

Pamela Jones 17:48
mean, you do get to choose the trustee. It has to be someone who's in Nevada and it but you get to choose, and you

Julian Rosado 17:54
have to have a lot of faith in this trustee. You do

Pamela Jones 17:57
okay, yes. And absolutely complete. Trust,

Leaha Crawford 18:02
complete, yeah, okay, now how? Okay, so Nevada, self settle appointment. Trust, asset protection, asset protection, trust, how much do you have to have to even set that trust up?

Pamela Jones 18:13
Well, it's, you know, I've the least

Leaha Crawford 18:16
amount. Well, we'll talk, we'll talk about the least, right? You said a couple million?

Pamela Jones 18:20
Yeah, I mean, I would, I don't even like think of it in terms, in those terms, but I would say at least a couple 100,000 yet to put over there. And everybody does it differently. You know, there are some attorneys who will put the personal residence in that in that trust and and that's not something I would do. But so why would they put the personal residence in that trust, I think just to put everything, everything in the in that asset protection trust. But I think that's

Julian Rosado 18:48
I heard for divorce reasons. Well,

Pamela Jones 18:51
yeah, I mean, for divorce reasons, you're both living in the house, right? So, yeah, I don't know how that, how that would stand up in court, because, you know, you can't, well, it depends on where the money came from in the first place. Yeah, and, and, right? So if it all goes into an asset protection trust and there's a prenup that says, Yeah, I will, I'll walk away and take nothing, you know, I don't even get a place to live. And you know that that's yeah, we'll see how that would hold up. Okay, well, okay,

Leaha Crawford 19:25
yada mentioned prenups a whole lot. Let's talk about them. Prenups. Why would you get a prenup?

Pamela Jones 19:31
I would get a prenup if I came to a marriage with with some some some wealth, and let's say I own my own home, and then I decided to get married, I'd want to do prenup saying, Look, this is my house. It's paid off. I want to keep it over here. And if we get a divorce, we're not splitting it. It goes with me. And so the prenup is to protect you in the event that there's a dissolution of the marriage. And not all marriage dissolutions are, you know, a. Of them are amicable people. People just grow apart. We just grow apart, right? So, yeah, so it's just to protect your interests in the event of a split, okay? And

Leaha Crawford 20:10
when you find that people have prenups, and then it's time to file for divorce, is it a lot easier? Divorce

Pamela Jones 20:18
is never, never

Leaha Crawford 20:19
okay, and that's why I said easier, because it's always, it's always very emotional, I mean, but since those terms are written out, absolutely, is it more amicable?

Pamela Jones 20:29
Yes, I would say that. And even just discussing it as you go into the marriage, you have to be clear. You have to each understand and agree that this is what we're doing, and if you both agree to that, then misunderstandings don't arise, you know, later and hurt feelings don't arise later. When one says, Well, I really want I always thought this was mine, you know, no, but

Leaha Crawford 20:51
you signed the pre. You signed up. We signed the prenup. Alright, you can listen in the growth and grace. I am Leah Crawford, this is Julian Rosetta, and we have attorney Pamela Jones in here, just giving us a wealth of information about wills, estates, trusts, prenups. We always talk about prenups. Talk about prenups. Her contact information, 702-370-6102, again, 702-370-6102.

Pamela Jones 21:18
Where is your office? I have an office downtown. It's in the arts district, yeah, on Seventh South Seventh Street. And I also have an office on South Hualapai. It's the west side between Twain and Flamingo.

Leaha Crawford 21:31
Oh, nice, nice. Can we have the addresses? Sure,

Pamela Jones 21:33
downtown, 627, South Seventh Street, and the zip codes, 89101, and the on the west side, it's 3900, South OAL by it's in suite 105, and it the zip code there is 89147,

Leaha Crawford 21:49
nice. I love it. So two offices. Now are you? Are you finding that a lot of people have questions about wills, estates, trusts, prenups? Yes,

Pamela Jones 22:00
absolutely. I do do seminars. I go to libraries about once a quarter, and just, just to do a class, so so people will help, help them to understand. Great, all right, I'll get your email address and we'll get you on the invitation list. Cool, yeah, I'm planning some at the end of April, and it'll either be the end of April or May, but right now they're scheduled for the end of April, and because even even holding those classes, it just makes it easier when they come to my class, to my office, because now they've been a little educated about what, what to expect, and they can, we can address their needs at that point, all right,

Leaha Crawford 22:35
because I guess every, every situation is catered towards that person, because everybody's situation is different, absolutely. So it's very hard when you're looking on the internet trying to find the answers, because you need to take it's a whole bunch of variables, yes, that you need to take into consideration. Yes, I love it. I love it. So we talked about the Nevada trust. We talked about revocable trust, irrevocable trust, the famous prenup, the famous free nut, are there any other kinds of trust? Well,

Pamela Jones 23:03
there's, you know, they're popular, more popular, right? Well, there's something called a special needs or a supplemental needs trust. And so if you do have someone who is maybe a developmentally disabled child, who's going to be on public support, not able to support themselves throughout their life. Now, what's that called, again, special needs or Supplemental Needs, trust? Yeah, and that, that way you can hold money. You know, as as you age and you're afraid that you'll pass away, you want to take care of that person, but you don't want to kick them off their public support. So you want to hold the property in trust, and then the trustee, and probably a team of a health care provider and some other people will help decide when to make distributions and only allowable distribution. So they know, have? They have to know the laws in terms of what's allowed to be distributed, basically whatever the government won't pay for. And that could include vacations, that could include special dental work, maybe even special therapy,

Leaha Crawford 24:02
right? Because I know their children, I don't want I forget what it's called, special needs children that really will never be able to function on your own right. And parents, I guess that's a way for the parents to really take care of that child. Yes,

Pamela Jones 24:16
because you know that special needs child could now be 55, years old, and yes, we just want to make sure that they're they continue to be taken care of, because they've been under the care of the parents their whole lives.

Leaha Crawford 24:27
Got it? I love it. I love it. Now, one that I'm interested in is a real estate investment trust. What? Yeah, because I hear people not have a read, I have a read. And I'm like, Okay, I don't know what that is, but okay, I'll ask, yeah,

Pamela Jones 24:40
well, that's an investment vehicle, and I don't deal with those,

Leaha Crawford 24:44
okay, got it. No worries. We and see, and that's what I love. Find the person that deals with those, right? Find the person that deals with those, because that's an IT is an investment vehicle. And I see a lot of companies. They set up the trust, the real estate investment, the REIT, is what they call it, and they do different things with the. Be, but that's outside of this. Okay, got it so the grantor trust is the revocable trust.

Pamela Jones 25:07
That one double trust is one one type of grantor trust, got

Leaha Crawford 25:11
it a revocable trust is one type of grantor trust. What other types? What other trust are grantor trust? Well,

Pamela Jones 25:18
a grantor trust can be any it can be an irrevocable trust, as long as you have you you meet certain requirements in the trust, for example, substitute being able to substitute assets. If you do that, then it can be a grantor trust, and that the trust doesn't have to file its own tax return. Then the income can be taxed to you as the trust, or as an as the grantor, as an individual,

Leaha Crawford 25:41
okay, so, but you really want to be educated on when you do this. I would ask, when you have the next class, can you please let us know so we can publicize it on the air, so our listeners can come and see you live and in person and ask any questions that they have about this? Sure, absolutely,

Pamela Jones 25:59
I'd love to the ones at the end of April are actually going to be at the windmill library, which is in southern highlands, I think. And but if anybody wants to call the number that you just gave out, we can get you on the on the invitation list. I get

Leaha Crawford 26:13
it the contact information is 702-370-6102 again, 702-370-6102 so do you have any general advice for people, I mean, that are looking to start this process? Sure.

Pamela Jones 26:29
My general advice is, even if you don't yet, let's say you don't want to spend the money right now, or you have other reasons not to do this. Everybody should have a durable power of attorney and an advanced health care directive in place at all times. There's no reason to not do that. Those are documents that will help you if you're still alive, but something you know you're ill or you become incapacitated, say that again. What is it? It is a power of attorney for financial purposes, and then the other one is an Advanced Health Care Directive, which includes a health care power of attorney and a living will. And the living will is what, what you want to have happen if it, if it looks like you're going to die soon anyway, and you're on life support, I

Julian Rosado 27:12
have a question. So there's a probably a lot of couples that are, they're not married yet, but they're buying a house, you know? I mean, they're, they're getting into the flow of things. What would you recommend to help them when they buy a house to look out for them because they're not married,

Pamela Jones 27:31
right? Great question. And, and I've had to help a couple couples through the process, yeah, through the document taking apart process, right? Okay, and so, you know, I think if you go into that knowing and having an open discussion about, if we break up, are you going to buy me out? Am I going to be buy you out? Are we going to force a sale of the property come to some agreement about that in the first place? Because it's, you know, when someone, particularly, when someone leaves the other one unexpectedly. It's traumatic. And if we have nothing in place, you know, it's a stalemate. Someone, someone gets, get kicked out, doesn't have a place to live, who's going to be paying the mortgage, who's going to be paying the property taxes and insurance at that point, and if they continue to live there and pay all that, Whose house is it at that point? So if you have to have to think about these scenarios and come to some agreement and beforehand, because it does make it easier and cleaner, you know, at at at the breakup, no matter how amicable it is,

Leaha Crawford 28:33
Thank you, Pam, I appreciate it. Well, that's a wrap for growth and grace. I want to thank you. Thank you. Thank you. Thank you so much for sharing your time with me today. I truly appreciate you always accepting our invitation and always dropping nuggets. I mean, who knew? Read the four corners of the document, four corners of the document. Remember, growth is a journey, and grace makes it worth it. Keep pushing forward, keep showing up, and most importantly, keep growing yourself with grace and growth until next time. I'm Leah Crawford, this is Julian Rosado. Be well, be great, and I'll talk to you next week. Bye.