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so I tell them that we can establish this revocable just that mirrors the language of their will in other words it says when I die I want to leave my property to my spouse and then if my spouse dies before me or when my spouse dies we want it to go equally to Manny Moe and Jack so I tell them we can do that the language would be in the trust but the language in the trust also says while Im alive while Mary and John are alive they do whatever they want with their money its their money its changing the accounts so what we do is we take these same assets that we have here the checking the stocks the money market the CD the Maryland house and the Delaware house and we change the name on the accounts or the deeds so they instead of saying Mary Smith savings account or Mary Smith account at fidelity they now will read Mary Smith trustee of the Mary Smith trust because while Mary and John are alive and have their faculties they run their ship they do whatever they want they can take money