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[Music] all right buy sell agreements a couple of lets talk buy sell agreements as i said is is a business prenup so what issues can 51 percent make decisions on what issues may require 75 percent decision on what may require unanimous decision on what are the things that what are the management issues youre going to do if you are going to have employees who have equity you need a buy sell agreement that addresses that and were going to talk a lot a little further about employee retention later third-party purchasers coming in what happens what happens in death disability bankruptcy and divorce you guys are all from different states but people are surprised to find out that in a divorce scenario in certain states they have whats known as equitable distribution equitable distribution is your spouse comes in and says the business is worth five million you come in and say the business is worth one million and the judge says i dont care what the experts say she gets half now the last