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so lets go ahead and get into the questions for this evening david weve got four of them and we even have one from an individual in ohio but the first question tonight comes from dina in crystal lake michigan and dina writes my mother gave me a power of attorney she has not been well i went to go and move some investment money that she had at the bank i want to put it in a trust she does not have a trust can i as her power of attorney create a trust for her deena and crystal lake so i always qualify these um remarks by you know my answers with it depends on what the document says right this is like the minute i heard it i this happens quite a bit people want to uh first of all power of attorney is basically uh you have a principal and an agent the principal is a person who gives the authority away to the agent whos known as what we call the attorney in fact and that person can conduct business um on behalf of the principal um you know a whole slew of items a list of items as uh det