 uh dave i'm wonderful how are you better than i deserve how can i help well so first thing i want to say is thank you so much because my wife and i followed your steps and we have we were debt free and have been debt free for quite a while um the reason i'm the reason i'm calling is i live in the villages um i'm widowed unfortunately two years ago my wife passed away i'm sorry um i have i have no children um so when i go um all everything's basically going to get liquidated