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Hello, its Greg Maxwell with Amicus Settlement Planners. I wanted to just chat with you a little bit today as plaintiff attorneys about kind of the mechanics of how to set up a structured settlement annuity, because its a little bit different than just settling a case for cash. And there are a few things you need to know so that you can avoid some of the pitfalls and get yourself in a situation where its too late to do a structured annuity. So, if youre going to effectuate a structured settlement annuity on behalf of an injured client, that needs to happen and be part of the settlement agreement with the defendant. So, the first step is you would contact your structured settlement planner, okay? You call your settlement planner, come up with the right annuity design that your client wants. Once youve got that dialed in and you found the right annuity company, the company that the client feels good about then you need to make sure that theres language. Lets assume its a minor o