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bill is saying that he just heard you mention personal services contracting wants to know more about it what is a personal services contract as far as medicaid planning is concerned well for medicaid planning i mean you wouldnt do that in advance but lets say typically his mom or dad is in a nursing home and there he has about 50 to a couple hundred thousand dollars in the bank normally tom he would have to spend all that money down by private paying a nursing home until hes exhausted with nothing and then he could apply for medicaid but instead we can create a personal services contract which will take that money and pay him in his child in advance for providing care for him and that bypasses medicaids five-year look-back period its a medicaid-compliant tool and most importantly we protect the assets and we have medicaid pay for his dads nursing home so lets just say that dad had two hundred thousand dollars what youre telling me is that a personal services contract could be d
