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[Music] good afternoon my name is ken novenstern from fredman bacon and novenstern llp in mount kisco in white plains new york and i did a prior video describing the elements of a separation agreement and the importance of a separation agreement today i really want to talk to you about what i consider to be the single most important piece of information i can give you with regard to separation agreements and possibly with regard to your divorce separation agreements are a critical part of working out your separation or divorce whether its in collaborative or litigation almost every case ends up at a point where youre working at the terms of a stipulation of settlement or a separation agreement and i have found myself over the course of the last few weeks working on so many cases where the parties were divorced a few years ago and now theyre back in court or theyre back in some process possibly mediation or collaborative and theyre dealing with terms of their agreement that are so