Domenic Tagliola, Will and Estate Planner TD Wealth explains why having a well-thought-out succession plan is the key to continuing the legacy of family businesses.
Print Transcript
Well, even best late succession
plans can run into trouble
00:00:07.290 --> 00:00:10.070 align:middle line:84%
when the business owner
makes an unexpected exit--
00:00:10.070 --> 00:00:12.660 align:middle line:84%
they die or are unable to
run their businesses anymore.
00:00:12.660 --> 00:00:15.100 align:middle line:90%
So what do you do in those situations?
00:00:15.100 --> 00:00:19.812 align:middle line:84%
Domenic Tagliola, will and estate planner at
TD Wealth, is here to talk a bit about that.
00:00:19.812 --> 00:00:23.020 align:middle line:84%
And I mean, the thing we've just been
talking about-- nice to have you here--
00:00:23.020 --> 00:00:26.030 align:middle line:84%
the thing we've just been talking
about, of course, is you're
00:00:26.030 --> 00:00:32.980 align:middle line:84%
planning for the succession, the long-term,
the plannable things, so to speak.
00:00:32.980 --> 00:00:36.560 align:middle line:84%
But how often do you talk to people
who have great succession plans,
00:00:36.560 --> 00:00:42.120 align:middle line:84%
but don't have the most basic,
I'll say, plan for the unexpected?
00:00:42.120 --> 00:00:43.670 align:middle line:90%
Fantastic question.
00:00:43.670 --> 00:00:46.040 align:middle line:84%
As business owners,
successful business people
00:00:46.040 --> 00:00:54.140 align:middle line:84%
are used to dealing with external forces--
the economy, the employees, the dollar,
00:00:54.140 --> 00:00:57.142 align:middle line:84%
whatever's externally,
they are prepared for that.
00:00:57.142 --> 00:00:58.600 align:middle line:90%
They have a plan in place for that.
00:00:58.600 --> 00:01:01.240 align:middle line:84%
But where it is lacking
is when the plan talks
00:01:01.240 --> 00:01:07.470 align:middle line:84%
about the inward or the
domestic situation, because they
00:01:07.470 --> 00:01:09.570 align:middle line:90%
believe that they're going to live forever.
00:01:09.570 --> 00:01:13.770 align:middle line:84%
Or they believe that the planning
is important, but not for right now.
00:01:13.770 --> 00:01:19.080 align:middle line:84%
The difficulty is that death
or incapacity will happen.
00:01:19.080 --> 00:01:24.840 align:middle line:84%
And if you're not prepared for it,
then you don't have the ability
00:01:24.840 --> 00:01:26.740 align:middle line:90%
to have the final say on that.
00:01:26.740 --> 00:01:27.595 align:middle line:90%
So give me a story.
00:01:27.595 --> 00:01:28.720 align:middle line:90%
I know that you've got one.
00:01:28.720 --> 00:01:30.030 align:middle line:90%
And you probably deal with it all the time.
00:01:30.030 --> 00:01:31.113 align:middle line:90%
Something that's happened.
00:01:31.113 --> 00:01:32.040 align:middle line:90%
And it's not atypical.
00:01:32.040 --> 00:01:36.380 align:middle line:84%
This is a very typical situation where
a person comes from another country,
00:01:36.380 --> 00:01:38.640 align:middle line:90%
builds up a business with sweat equity.
00:01:38.640 --> 00:01:41.170 align:middle line:84%
The spouse is not involved
in the business at all.
00:01:41.170 --> 00:01:43.610 align:middle line:84%
They have three wonderful
children, one of which
00:01:43.610 --> 00:01:46.670 align:middle line:90%
is the logical successor to the business.
00:01:46.670 --> 00:01:48.280 align:middle line:90%
The other two are not.
00:01:48.280 --> 00:01:50.920 align:middle line:90%
This is an actual, real, factual situation.
00:01:50.920 --> 00:01:54.320 align:middle line:84%
The one who is taking over the business
is wonderful with the business,
00:01:54.320 --> 00:01:58.190 align:middle line:84%
but has many vices in his
life-- gambling among them.
00:01:58.190 --> 00:02:02.230 align:middle line:90%
And has trouble keeping assets in place.
00:02:02.230 --> 00:02:07.260 align:middle line:84%
And to complicate matters, the youngest
child is the apple in the eye of the family.
00:02:07.260 --> 00:02:12.010 align:middle line:84%
And there is talk about that child receiving
a disproportionate amount of the estate
00:02:12.010 --> 00:02:15.080 align:middle line:84%
simply because they are enamored more
with that child than anyone else.
00:02:15.080 --> 00:02:16.050 align:middle line:90%
And then something happens?
00:02:16.050 --> 00:02:16.810 align:middle line:90%
Something happens.
00:02:16.810 --> 00:02:20.143 align:middle line:84%
Well, inevitably, what happens in this
situation is that the father has a stroke
00:02:20.143 --> 00:02:24.287 align:middle line:84%
and now is in a coma, and
has no estate planning.
00:02:24.287 --> 00:02:27.120 align:middle line:84%
Never bothered to do a will, never
bothered to do powers of attorney
00:02:27.120 --> 00:02:28.411 align:middle line:90%
for property and personal care.
00:02:28.411 --> 00:02:30.540 align:middle line:90%
Most of the business was on a handshake.
00:02:30.540 --> 00:02:32.920 align:middle line:84%
There is nothing in place
to deal with all of that.
00:02:32.920 --> 00:02:34.880 align:middle line:90%
And now the mess ensues.
00:02:34.880 --> 00:02:40.580 align:middle line:84%
So this is where, if he had done some estate
planning, he could have had the say in that.
00:02:40.580 --> 00:02:44.474 align:middle line:84%
And I think also the idea that estate
planning is even more foundational
00:02:44.474 --> 00:02:45.890 align:middle line:90%
than business succession planning.
00:02:45.890 --> 00:02:48.400 align:middle line:84%
You have to have the basics
taken care of before you
00:02:48.400 --> 00:02:49.690 align:middle line:90%
can start talking about that other piece.
00:02:49.690 --> 00:02:52.030 align:middle line:84%
So I just want to run through-- we've
got a few minutes-- some of these.
00:02:52.030 --> 00:02:54.988 align:middle line:84%
What are some of the basic things
you need to think about when it comes
00:02:54.988 --> 00:02:57.784 align:middle line:90%
to estate planning, and just making sure?
00:02:57.784 --> 00:02:59.700 align:middle line:84%
Power of attorneys, and
those types of things.
00:02:59.700 --> 00:03:02.030 align:middle line:84%
You are planning, as I
say to all my clients, you
00:03:02.030 --> 00:03:05.740 align:middle line:84%
are planning for one certainty
and one potential event.
00:03:05.740 --> 00:03:08.320 align:middle line:84%
And the certainty of death
means that you need a will.
00:03:08.320 --> 00:03:11.429 align:middle line:84%
The potential to lose capacity
means you need the powers
00:03:11.429 --> 00:03:13.220 align:middle line:90%
of attorney for property and personal care.
00:03:13.220 --> 00:03:14.410 align:middle line:84%
Because a will doesn't kick
in until after you die.
00:03:14.410 --> 00:03:15.510 align:middle line:90%
Until after you die.
00:03:15.510 --> 00:03:18.630 align:middle line:84%
So the complete plan will be a power
of attorney for your health care,
00:03:18.630 --> 00:03:21.957 align:middle line:84%
a power of attorney for your
property or your business affairs,
00:03:21.957 --> 00:03:25.040 align:middle line:84%
and then ultimately, a will that will
deal with what happens when you die.
00:03:25.040 --> 00:03:27.470 align:middle line:84%
The power of attorney for your
business affairs and property,
00:03:27.470 --> 00:03:28.719 align:middle line:90%
tell me a bit more about that.
00:03:28.719 --> 00:03:32.240 align:middle line:84%
Well in the scenario that I mentioned,
even if the gentleman had bothered
00:03:32.240 --> 00:03:35.400 align:middle line:84%
to do a power of attorney for
property, is the logical person
00:03:35.400 --> 00:03:38.910 align:middle line:84%
to assume that role the spouse if the
spouse has had no interest in the business,
00:03:38.910 --> 00:03:40.993 align:middle line:84%
doesn't know how to run
the business, doesn't have
00:03:40.993 --> 00:03:42.977 align:middle line:90%
a clue about how to maintain that business?
00:03:42.977 --> 00:03:45.310 align:middle line:84%
So when you're talking about
putting in someone in place
00:03:45.310 --> 00:03:49.100 align:middle line:84%
to be your substitute decision maker
for your property, I tongue in cheek
00:03:49.100 --> 00:03:53.974 align:middle line:84%
give the clients the Thurston Howell
scenario, which is, he didn't die.
00:03:53.974 --> 00:03:55.640 align:middle line:90%
But he's no longer running his business.
00:03:55.640 --> 00:03:58.920 align:middle line:84%
Who's running that business for him
while he's on the deserted island?
00:03:58.920 --> 00:04:02.340 align:middle line:84%
And that is a proper analogy,
because you're still alive.
00:04:02.340 --> 00:04:06.730 align:middle line:84%
You're not talking about transitioning
assets out to the beneficiaries.
00:04:06.730 --> 00:04:08.380 align:middle line:90%
Matters have to be maintained.
00:04:08.380 --> 00:04:09.690 align:middle line:90%
Business has to go on.
00:04:09.690 --> 00:04:14.052 align:middle line:84%
And in the scenario that I mentioned, there
are 10 families now that don't have a job.
00:04:14.052 --> 00:04:17.010 align:middle line:84%
So what would you, I guess, what
would you have done in that situation?
00:04:17.010 --> 00:04:19.779 align:middle line:84%
In that situation, I would have
insisted that the client consider
00:04:19.779 --> 00:04:24.100 align:middle line:84%
someone more neutral to run
the business during incapacity.
00:04:24.100 --> 00:04:26.970 align:middle line:84%
Not the spouse, and certainly
not the three children.
00:04:26.970 --> 00:04:30.820 align:middle line:84%
And not even all three of the children,
because in this scenario, one of them
00:04:30.820 --> 00:04:35.420 align:middle line:84%
has a different connection to the
business than the other ones do.
00:04:35.420 --> 00:04:40.590 align:middle line:84%
So I would be looking at bringing in
an impartial body like Canada Trust.
00:04:40.590 --> 00:04:44.940 align:middle line:84%
The reason why we do that is
because the more impartial,
00:04:44.940 --> 00:04:49.320 align:middle line:84%
the more distant, the better it's going
to be in terms of managing the assets.
00:04:49.320 --> 00:04:54.090 align:middle line:84%
Plus the corporate executor can bring in--
or the corporate attorney for property--
00:04:54.090 --> 00:04:59.510 align:middle line:84%
can bring in people that can run the
business, can bring in a management team
00:04:59.510 --> 00:05:02.790 align:middle line:84%
to maintain the status quo
during the period of incapacity.
00:05:02.790 --> 00:05:08.480 align:middle line:84%
And most importantly, ensure a seamless
transition from life into death.
00:05:08.480 --> 00:05:11.560 align:middle line:84%
Very few times when a person
is suffering from dementia
00:05:11.560 --> 00:05:14.950 align:middle line:84%
that you run into that situation
where they're going to live forever.
00:05:14.950 --> 00:05:16.510 align:middle line:90%
So it's important to get that.
00:05:16.510 --> 00:05:17.590 align:middle line:90%
So great having you here.
00:05:17.590 --> 00:05:18.180 align:middle line:90%
Will you come back?
00:05:18.180 --> 00:05:18.750 align:middle line:90%
I will.
00:05:18.750 --> 00:05:20.166 align:middle line:90%
Absolutely great to have you here.
00:05:20.166 --> 00:05:22.740 align:middle line:84%
Domenic Tagliola, wills and
estate planner, TD Wealth, again,
00:05:22.740 --> 00:05:24.240 align:middle line:84%
talking about the foundation,
the things you need
00:05:24.240 --> 00:05:27.150 align:middle line:84%
to think about if you're running a
business-- wills and estate planning.
00:05:27.150 --> 00:05:28.070 align:middle line:90%
Thank you for joining us.
00:05:28.070 --> 00:05:31.650 align:middle line:84%
Any comments and questions, or if you'd like
someone to take a look at your portfolio,
00:05:31.650 --> 00:05:34.150 align:middle line:84%
have some planning questions,
e-mail me at moneytalk@bnn.ca.
00:05:34.150 --> 00:05:34.736 align:middle line:90%
00:05:34.736 --> 00:05:37.860 align:middle line:84%
We'll get you in touch with someone
who can answer those questions for you.
00:05:37.860 --> 00:05:38.710 align:middle line:90%
Thanks so much.
00:05:38.710 --> 00:05:41.340 align:middle line:90%
We'll see you again next week.
plans can run into trouble
00:00:07.290 --> 00:00:10.070 align:middle line:84%
when the business owner
makes an unexpected exit--
00:00:10.070 --> 00:00:12.660 align:middle line:84%
they die or are unable to
run their businesses anymore.
00:00:12.660 --> 00:00:15.100 align:middle line:90%
So what do you do in those situations?
00:00:15.100 --> 00:00:19.812 align:middle line:84%
Domenic Tagliola, will and estate planner at
TD Wealth, is here to talk a bit about that.
00:00:19.812 --> 00:00:23.020 align:middle line:84%
And I mean, the thing we've just been
talking about-- nice to have you here--
00:00:23.020 --> 00:00:26.030 align:middle line:84%
the thing we've just been talking
about, of course, is you're
00:00:26.030 --> 00:00:32.980 align:middle line:84%
planning for the succession, the long-term,
the plannable things, so to speak.
00:00:32.980 --> 00:00:36.560 align:middle line:84%
But how often do you talk to people
who have great succession plans,
00:00:36.560 --> 00:00:42.120 align:middle line:84%
but don't have the most basic,
I'll say, plan for the unexpected?
00:00:42.120 --> 00:00:43.670 align:middle line:90%
Fantastic question.
00:00:43.670 --> 00:00:46.040 align:middle line:84%
As business owners,
successful business people
00:00:46.040 --> 00:00:54.140 align:middle line:84%
are used to dealing with external forces--
the economy, the employees, the dollar,
00:00:54.140 --> 00:00:57.142 align:middle line:84%
whatever's externally,
they are prepared for that.
00:00:57.142 --> 00:00:58.600 align:middle line:90%
They have a plan in place for that.
00:00:58.600 --> 00:01:01.240 align:middle line:84%
But where it is lacking
is when the plan talks
00:01:01.240 --> 00:01:07.470 align:middle line:84%
about the inward or the
domestic situation, because they
00:01:07.470 --> 00:01:09.570 align:middle line:90%
believe that they're going to live forever.
00:01:09.570 --> 00:01:13.770 align:middle line:84%
Or they believe that the planning
is important, but not for right now.
00:01:13.770 --> 00:01:19.080 align:middle line:84%
The difficulty is that death
or incapacity will happen.
00:01:19.080 --> 00:01:24.840 align:middle line:84%
And if you're not prepared for it,
then you don't have the ability
00:01:24.840 --> 00:01:26.740 align:middle line:90%
to have the final say on that.
00:01:26.740 --> 00:01:27.595 align:middle line:90%
So give me a story.
00:01:27.595 --> 00:01:28.720 align:middle line:90%
I know that you've got one.
00:01:28.720 --> 00:01:30.030 align:middle line:90%
And you probably deal with it all the time.
00:01:30.030 --> 00:01:31.113 align:middle line:90%
Something that's happened.
00:01:31.113 --> 00:01:32.040 align:middle line:90%
And it's not atypical.
00:01:32.040 --> 00:01:36.380 align:middle line:84%
This is a very typical situation where
a person comes from another country,
00:01:36.380 --> 00:01:38.640 align:middle line:90%
builds up a business with sweat equity.
00:01:38.640 --> 00:01:41.170 align:middle line:84%
The spouse is not involved
in the business at all.
00:01:41.170 --> 00:01:43.610 align:middle line:84%
They have three wonderful
children, one of which
00:01:43.610 --> 00:01:46.670 align:middle line:90%
is the logical successor to the business.
00:01:46.670 --> 00:01:48.280 align:middle line:90%
The other two are not.
00:01:48.280 --> 00:01:50.920 align:middle line:90%
This is an actual, real, factual situation.
00:01:50.920 --> 00:01:54.320 align:middle line:84%
The one who is taking over the business
is wonderful with the business,
00:01:54.320 --> 00:01:58.190 align:middle line:84%
but has many vices in his
life-- gambling among them.
00:01:58.190 --> 00:02:02.230 align:middle line:90%
And has trouble keeping assets in place.
00:02:02.230 --> 00:02:07.260 align:middle line:84%
And to complicate matters, the youngest
child is the apple in the eye of the family.
00:02:07.260 --> 00:02:12.010 align:middle line:84%
And there is talk about that child receiving
a disproportionate amount of the estate
00:02:12.010 --> 00:02:15.080 align:middle line:84%
simply because they are enamored more
with that child than anyone else.
00:02:15.080 --> 00:02:16.050 align:middle line:90%
And then something happens?
00:02:16.050 --> 00:02:16.810 align:middle line:90%
Something happens.
00:02:16.810 --> 00:02:20.143 align:middle line:84%
Well, inevitably, what happens in this
situation is that the father has a stroke
00:02:20.143 --> 00:02:24.287 align:middle line:84%
and now is in a coma, and
has no estate planning.
00:02:24.287 --> 00:02:27.120 align:middle line:84%
Never bothered to do a will, never
bothered to do powers of attorney
00:02:27.120 --> 00:02:28.411 align:middle line:90%
for property and personal care.
00:02:28.411 --> 00:02:30.540 align:middle line:90%
Most of the business was on a handshake.
00:02:30.540 --> 00:02:32.920 align:middle line:84%
There is nothing in place
to deal with all of that.
00:02:32.920 --> 00:02:34.880 align:middle line:90%
And now the mess ensues.
00:02:34.880 --> 00:02:40.580 align:middle line:84%
So this is where, if he had done some estate
planning, he could have had the say in that.
00:02:40.580 --> 00:02:44.474 align:middle line:84%
And I think also the idea that estate
planning is even more foundational
00:02:44.474 --> 00:02:45.890 align:middle line:90%
than business succession planning.
00:02:45.890 --> 00:02:48.400 align:middle line:84%
You have to have the basics
taken care of before you
00:02:48.400 --> 00:02:49.690 align:middle line:90%
can start talking about that other piece.
00:02:49.690 --> 00:02:52.030 align:middle line:84%
So I just want to run through-- we've
got a few minutes-- some of these.
00:02:52.030 --> 00:02:54.988 align:middle line:84%
What are some of the basic things
you need to think about when it comes
00:02:54.988 --> 00:02:57.784 align:middle line:90%
to estate planning, and just making sure?
00:02:57.784 --> 00:02:59.700 align:middle line:84%
Power of attorneys, and
those types of things.
00:02:59.700 --> 00:03:02.030 align:middle line:84%
You are planning, as I
say to all my clients, you
00:03:02.030 --> 00:03:05.740 align:middle line:84%
are planning for one certainty
and one potential event.
00:03:05.740 --> 00:03:08.320 align:middle line:84%
And the certainty of death
means that you need a will.
00:03:08.320 --> 00:03:11.429 align:middle line:84%
The potential to lose capacity
means you need the powers
00:03:11.429 --> 00:03:13.220 align:middle line:90%
of attorney for property and personal care.
00:03:13.220 --> 00:03:14.410 align:middle line:84%
Because a will doesn't kick
in until after you die.
00:03:14.410 --> 00:03:15.510 align:middle line:90%
Until after you die.
00:03:15.510 --> 00:03:18.630 align:middle line:84%
So the complete plan will be a power
of attorney for your health care,
00:03:18.630 --> 00:03:21.957 align:middle line:84%
a power of attorney for your
property or your business affairs,
00:03:21.957 --> 00:03:25.040 align:middle line:84%
and then ultimately, a will that will
deal with what happens when you die.
00:03:25.040 --> 00:03:27.470 align:middle line:84%
The power of attorney for your
business affairs and property,
00:03:27.470 --> 00:03:28.719 align:middle line:90%
tell me a bit more about that.
00:03:28.719 --> 00:03:32.240 align:middle line:84%
Well in the scenario that I mentioned,
even if the gentleman had bothered
00:03:32.240 --> 00:03:35.400 align:middle line:84%
to do a power of attorney for
property, is the logical person
00:03:35.400 --> 00:03:38.910 align:middle line:84%
to assume that role the spouse if the
spouse has had no interest in the business,
00:03:38.910 --> 00:03:40.993 align:middle line:84%
doesn't know how to run
the business, doesn't have
00:03:40.993 --> 00:03:42.977 align:middle line:90%
a clue about how to maintain that business?
00:03:42.977 --> 00:03:45.310 align:middle line:84%
So when you're talking about
putting in someone in place
00:03:45.310 --> 00:03:49.100 align:middle line:84%
to be your substitute decision maker
for your property, I tongue in cheek
00:03:49.100 --> 00:03:53.974 align:middle line:84%
give the clients the Thurston Howell
scenario, which is, he didn't die.
00:03:53.974 --> 00:03:55.640 align:middle line:90%
But he's no longer running his business.
00:03:55.640 --> 00:03:58.920 align:middle line:84%
Who's running that business for him
while he's on the deserted island?
00:03:58.920 --> 00:04:02.340 align:middle line:84%
And that is a proper analogy,
because you're still alive.
00:04:02.340 --> 00:04:06.730 align:middle line:84%
You're not talking about transitioning
assets out to the beneficiaries.
00:04:06.730 --> 00:04:08.380 align:middle line:90%
Matters have to be maintained.
00:04:08.380 --> 00:04:09.690 align:middle line:90%
Business has to go on.
00:04:09.690 --> 00:04:14.052 align:middle line:84%
And in the scenario that I mentioned, there
are 10 families now that don't have a job.
00:04:14.052 --> 00:04:17.010 align:middle line:84%
So what would you, I guess, what
would you have done in that situation?
00:04:17.010 --> 00:04:19.779 align:middle line:84%
In that situation, I would have
insisted that the client consider
00:04:19.779 --> 00:04:24.100 align:middle line:84%
someone more neutral to run
the business during incapacity.
00:04:24.100 --> 00:04:26.970 align:middle line:84%
Not the spouse, and certainly
not the three children.
00:04:26.970 --> 00:04:30.820 align:middle line:84%
And not even all three of the children,
because in this scenario, one of them
00:04:30.820 --> 00:04:35.420 align:middle line:84%
has a different connection to the
business than the other ones do.
00:04:35.420 --> 00:04:40.590 align:middle line:84%
So I would be looking at bringing in
an impartial body like Canada Trust.
00:04:40.590 --> 00:04:44.940 align:middle line:84%
The reason why we do that is
because the more impartial,
00:04:44.940 --> 00:04:49.320 align:middle line:84%
the more distant, the better it's going
to be in terms of managing the assets.
00:04:49.320 --> 00:04:54.090 align:middle line:84%
Plus the corporate executor can bring in--
or the corporate attorney for property--
00:04:54.090 --> 00:04:59.510 align:middle line:84%
can bring in people that can run the
business, can bring in a management team
00:04:59.510 --> 00:05:02.790 align:middle line:84%
to maintain the status quo
during the period of incapacity.
00:05:02.790 --> 00:05:08.480 align:middle line:84%
And most importantly, ensure a seamless
transition from life into death.
00:05:08.480 --> 00:05:11.560 align:middle line:84%
Very few times when a person
is suffering from dementia
00:05:11.560 --> 00:05:14.950 align:middle line:84%
that you run into that situation
where they're going to live forever.
00:05:14.950 --> 00:05:16.510 align:middle line:90%
So it's important to get that.
00:05:16.510 --> 00:05:17.590 align:middle line:90%
So great having you here.
00:05:17.590 --> 00:05:18.180 align:middle line:90%
Will you come back?
00:05:18.180 --> 00:05:18.750 align:middle line:90%
I will.
00:05:18.750 --> 00:05:20.166 align:middle line:90%
Absolutely great to have you here.
00:05:20.166 --> 00:05:22.740 align:middle line:84%
Domenic Tagliola, wills and
estate planner, TD Wealth, again,
00:05:22.740 --> 00:05:24.240 align:middle line:84%
talking about the foundation,
the things you need
00:05:24.240 --> 00:05:27.150 align:middle line:84%
to think about if you're running a
business-- wills and estate planning.
00:05:27.150 --> 00:05:28.070 align:middle line:90%
Thank you for joining us.
00:05:28.070 --> 00:05:31.650 align:middle line:84%
Any comments and questions, or if you'd like
someone to take a look at your portfolio,
00:05:31.650 --> 00:05:34.150 align:middle line:84%
have some planning questions,
e-mail me at moneytalk@bnn.ca.
00:05:34.150 --> 00:05:34.736 align:middle line:90%
00:05:34.736 --> 00:05:37.860 align:middle line:84%
We'll get you in touch with someone
who can answer those questions for you.
00:05:37.860 --> 00:05:38.710 align:middle line:90%
Thanks so much.
00:05:38.710 --> 00:05:41.340 align:middle line:90%
We'll see you again next week.
