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[Music] when people first separate they don't always want to go straight ahead with the divorce proceedings and a lot of people ask about separation agreements which would mean reached an agreement in terms of what should happen with the property and the financial aspect of the separation without the formal step of issuing court proceedings separation agreements are good for those people that don't wish to to get divorced straight away because it does regulate what should happen with the finances in the marriage the difficulty with separation agreements however is that they are technically legally binding until that agreement is incorporated into a clean break consent order at a later date they can be disregarded by the court for example financial circumstances have changed or if the court considers that there wasn't sufficient financial disclosure at the time the other downside with separation agreements is that you could essentially be paying out cost twice they would have the costs...