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hello everybody Dave Welty here again with my sidekick June for another segment of wealth lab this is where you get to ask your questions to me and my sidekick June about Microsoft benefits the question we have now is again around deferred comp again no great surprise with next month being one of the big elections that you have to make within the compensation package November election next year salary up to 75% when you go to do that one of the big questions youre gonna be ask us when and how do I want to get my money one of them is that termination please dont do that at least consult with somebody first and make sure thats the right choice but typically thats a no-no the other way is you say Im gonna I want my compensation to be distributed to me my deferred compensation in 2025 and youre able to then pick a period of 3 to 15 years up to one year prior to that you can then actually change that but if you change it youve got to now move it out five years so we want to be though