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well good morning again everybody Paul Rabelais here another one of our 2020 and 2022 blind presentations all right quick overview and then well jump in so a few days ago I decided you know what Im gonna give twenty completely different completely unique YouTube live presentations related to estate planning over 20 days and we just happen to be in the year 2020 so this is our 20 and 20 and 20 20 program a couple of housekeeping items weve got instance since the topic for today is nursing homes I had to give you a kind of a nursing home related joke yeah its kind of corny but you know why not so we got that going on for us which is exciting Im gonna probably go maybe 45 minutes or so the beauty of this YouTube live platform is that people can watch it live people can type their comments and questions into the live chat over the last this is my third youtube live presentation of the 20 Ive answered every question that has been posed in the live chat some of the questions are kind