Click on the link for more information:

http://db2.centennialcollege.ca/ce/coursedetail.php?CourseCode=CESI-602

For an unbiased look at what I talk about and the benefits so many have received, click on the link to view a recent article in Metro News entitled: Seminar targets “smart” divorce.  Or, read below.

http://www.metronews.ca/toronto/learn/article/273568–seminar-targets-smart-divorce

There is also another article about the workshops which appeared previously in The Toronto Star: http://www.thestar.com/SpecialSections/article/541734

Seminar targets ‘smart’ divorce

RAFAEL BRUSILOW

FOR METRO CANADA

August 05, 2009 2:28 a.m.

Worrying about divorce and its complications? It may be time to go back to school.

A three-hour seminar titled The Smart Divorce is being offered by Centennial College’s School of Continuing Education to help people understand the challenging complications involved in a legal marital split.

The seminar, part of Centennial’s Life and Career Skills division, offers tips and strategies for dealing with all aspects of divorce, including the legal and emotional components of divorce, how it affects children and parents alike, how to look for lawyers and deal with them efficiently and effectively, and where to turn for support.

“The course is for people who are contemplating it or are in the situation, experiencing the divorce process already,” said Mary Devine, chair of Centennial’s School of Continuing Education. “People can take away some strategies, skills and an increased confidence to work through their own situation.”

Instructor and divorce consultant Deborah Moskovitch, author of The Smart Divorce, will head up the course.

Moskovitch went through her own messy divorce years ago and wants to pass the lessons she learned on to others who have never experienced the whirlwind of emotions and legal tangles at the root of any divorce. Most important of all, she hopes to instill a sense of hope in people worried that divorce is the end of the line emotionally.

“I truly believe that you can build a better life than you had before. Even if you were a victim, you have to rise above it and really find that happiness,” she said.

Moskovitch says attendance in the course in previous sittings has been almost an even 50/50 split among men and women.

The Smart Divorce runs on Oct. 23 from 9 a.m. to 12 p.m. at Centennial and costs $32. For more information, visit centennialcollege.ca.

impact – options – opportunities

I was part of a “one stop” information panel of experts discussing the emotional, legal, financial, and child aspects of divorce.  I thought the handouts provided would be very helpful…….the information if provided both within this post, as well as attached within a pdf.

Being smart about divorce means arming yourself with as much information as possible…..here’s a start.

THE SMART DIVORCE®

Handout- The Smart Divorce

What is A Smart Divorce?

The Smart Divorce process will help you to:

• understand the “emotional divorce” versus the “legal divorce”
• understand the various dispute resolutions available
• make informed decisions
• minimize the financial, legal and emotional stress

Be SMART about your divorce.

State your goals and objectives at the beginning. Make sure these are realistic.

Maximize your information and knowledge base.

Avoid reacting to your emotions.

Retain the best possible divorce team your budget allows.

Treat your divorce as a business transaction.

How to start The Smart Divorce

1. Develop your support network – therapist/supportive counselor, support groups, clergy, divorce consultant and friends.
2. Choose your lawyer carefully – interview 3 family law lawyers.
3. Be informed.  Understand the dispute resolutions:   Do-It-Yourself; Negotiation; Mediation; Collaborative Family Law; Arbitration; Litigation; private companies who offer divorce mediation/resolution.
4. Put your children’s best interests first.
5. Hire the right team of professionals based on your needs – parenting expert; financial adviser and others.
6. Get your finances in order.
7. Stay organized – create your divorce notebook and divorce journal.
8. Have a vision for how you want your life to unfold and develop strategies to get there.

You may contact Deborah by email at info@thesmartdivorce.com

or, by calling her office at 905.695.0270

Deborah Moskovitch is a divorce consultant and educator, and author of The Smart Divorce: Proven Strategies and Valuable Advice from 100 Top Divorce Lawyers, Financial Advisers, Counselors and Other Experts. Deborah has become an opinion leader in the media and has shared her insights and research on television and radio to explain that divorce can be managed in smarter ways.

Copyright ©2010 The Smart Divorce® and Deborah Moskovitch

All rights reserved. No portion of this material may be reproduced in any form without the express written permission of Deborah Moskovitch and The Smart Divorce.

Legal considerations

“Taking Charge of Your Separation/Divorce”

Handout – Legal considerations

Presentation by:

Wendy E. Best, Q.C.

Dunphy Best Blocksom LLP

February 25, 2010

1. Custody/parenting

(i)                 shared

(ii)               joint

(iii)             sole

2. Child Support

(i)                 Federal Child Support Guidelines

(ii)               Alberta Child Support Guidelines

(iii)             base table support

(iv)             Section 7 expenses

(a)                child care expenses incurred for employment, illness or education

(b)               medical/dental insurance premiums re: child

(c)                health/dental expenses over insurance by at least $100/year (ortho, counselling, physio, drugs, glasses)

(d)               extraordinary expenses for primary or secondary school

(e)                post secondary expenses

(f)                extraordinary extracurricular expenses

(v)               split custody

(vi)             shared custody (40% of time)

(vii)           incomes over $150,000

(viii)         undue hardship

(ix)             retroactive

(x)               disclosure

3.        Spousal Support

(xi)             Divorce Act

(xii)           Family Law Act/Adult Interdependent Relationships Act

(xiii)         Spousal Support Advisory Guidelines

(xiv)         entitlement

(xv)           periodic

(xvi)         lump sum

(xvii)       combination

4.     Property

(i)                 What is property

(ii)               unmarried: constructive trust/unjust enrichment

(iii)             married: Matrimonial Property Act

(a)                exemptions

(i)                 gifts from third parties

(ii)               inheritance

(iii)             owned before marriage

(iv)             damages in tort

(v)               insurance policy (not re: property)

(b)               increase in value of exempt property – 13 factors

(c)                transfer into joint names

(d)               all other property acquired – presumption of equal sharing

(e)                property (assets/debts) acquired after separation or changes in value

(f)                gifts or non bona fide transfers

(g)               exclusive possession of matrimonial home

5.         Miscellaneous/Common Misunderstandings

(i)                 divorce

(ii)               legal separation

(iii)             abandonment

(iv)             conduct

(v)               what to expect/ask in your first consult

Financial Considerations

7  Secrets to a Successful Divorce

Handout- 7 Secrets to a Successful Divorce

Divorce demands financial decision-making that will alter the rest of your life. Most people have no knowledge of the specifics of the finances of divorce. Most people are too emotional to make sound financial decisions regarding their future. Quite often poor choices are made, choices that are permanent. You must educate yourself on the finances of your divorce.

We have a deep and personal understanding of the financial implications of divorce. At Alberta Divorce Finances, we empower men and women going through divorce by educating them on the financial and tax implications of the decisions that they will make in their own divorce.

A 50/50 Property Split is Not Always Equal

What do you need to know to ensure that your settlement is both fair and equitable?

1. 1. Money will almost always become an issue in divorce

1. 2. Understand that a 50/50 division of property is not always equal

1. 3. Make sure that you can afford to keep the house before you settle this matter

1. 4. Understand the “true” value of your investments and RRSPs

1. 5. Ensure that Pensions are valued properly.

1. 6. Ensure that the payor of child and/or spousal support has Life Insurance to fulfill future support obligations.

1. Many divorce decisions have implications for your tax return

Divorce is a very difficult and very emotional time and bad decisions are made under stress.  You must become educated on “what you need to know” about the finances of your divorce.

Visit: Alberta Divorce Finances.com

Child Considerations

HELPING KIDS THROUGH SEPARATION/DIVORCE:

Handout – HELPING KIDS THROUGH SEPARATION

v            The way in which parents manage their separation/divorce impacts their children; each individual can

make a difference by their OWN choice of behaviors

v            In separation/divorce, co-parents need to shift their former intimate relationship to that of neutral

business associates linked for the long-term in the “business of co-parenting”

v            Children’s needs and feelings should be a priority; they require reassurance that they are loved by

both parents and belong to both parents and extended families

v            Giving kids permission and opportunities to be attached and to maintain relationships with both

parents/families is important to their well being and growth/development

(*some exceptions: family violence, substance abuse, profound mental health issues)

v            Conflict is typically a part of separation/divorce; how it is managed has an impact on outcomes for

children; kids need to be kept out of “adult issues” including parent conflict and encouraged to regain

and resume their own life pursuits to meet their developmental ages/stages

v            Most often children view separation/divorce differently than the adults involved as they do not always

see it as a way of improving their life; parents can be sensitive to this difference in perspective

v            Children need understanding and guidance to manage and communicate their unique feelings and

behaviors through the process of separation/divorce

v            Shame, blame and embarrassment are feelings that children may express; they need reassurance and age

appropriate explanations that separation/divorce is not their fault

v            Attention to the variety of loss/grief reactions of both adults and kids is important through

separation/divorce; Examples: sadness, anxiety, fear, anger and feeling physically unwell

v            Parents may be less available for their children particularly in the first year of separation/divorce

(“diminished parenting”); this may negatively impact kids outcomes as they need their parents most at

this time of change and transitions

v            When possible, minimizing and “pacing” the multiple changes in their lives as a result of the

separation/divorce is helpful for kids; strive for predictability and routines

v            Transitioning between two households can be difficult for some children; each parent can help their

children to manage this challenge with sensitivity, organization and support

v            A Parenting Plan is an essential working document that helps provide a framework for adults and

children to manage the separation/divorce; a detailed plan that is reviewed regularly helps address the

family’s changing needs

v            An individual’s influence and/or control with their co-parent is typically limited; their focus and energy

is better placed on developing a consistent life with their children in their own home

(Sandy Shuler, B.S.W., R.S.W., C.C.F.E. 2010. Reproduction only by permission. Sandy is the Co-author of the established “Effective Co-Parenting:  Putting Kids First” program;  Co-author of “Groupworks: training for small group facilitators” Developer of the “Fairway Divorce Solutions Nurtured Children Parent Education Seminar”;

Sandy is Director/Consultant of Family Life Works Inc.; www.familylifeworks.ca; 403-540-5608)

Successful divorce doesn’t have to be an oxymoron

I will be in Calgary this week, speaking with a panel of experts about divorce.  The seminar is entitled Taking Charge of your Separation/Divorce.  Lisa Kadane of the Calgary Herald interviewed the panel, which I’ve copied below.  Please note the helpful tips.

By Lisa Kadane, Calgary Herald February 22, 2010

Taking Charge of Your Separation/Divorce takes place Thursday at Deer Park United Church (777 Deer Point Rd. S.E.) from 7 to 9:30 p.m. Pre-register for the $30 seminar at 403-205-5244. Or pay $40 at the door.

—

Divorce is everywhere. It screams at us from tabloid headlines at the grocery store checkout. It touches us personally when, as adults, our parents finally call it quits, or our own starter marriage fizzles.

It’s also universally ugly. Between custody battles, money squabbles and bitterness, divorce usually leaves one party on the short end of the fair stick.

And divorce is always heartbreaking — the final chapter in a book we never wanted to read in the first place.

So, to talk about having a “successful divorce” sounds unrealistic: a pie-in-the-sky idea plucked from some smarmy self-help book.

It’s not, says Deborah Moskovitch, who weathered a seven-year divorce and went on to write The Smart Divorce: A Team Approach to Managing the Issues of Divorce.

“Being smart about divorce really means moving forward with hope and confidence.”

Moskovitch will be in town Thursday as part of a seminar to help divorcing couples understand the resources available to help them through separation and divorce. Hiring a good attorney is a no-brainer, but head’s up: getting your legal house in order is only part of it.

“You’ve got to rebuild your life,” she says.

“Divorce is so common today that people underestimate how powerful it is; how powerful those emotions are.”

Estimates from Statistics Canada in 2008 suggest that 39 per cent of marriages in Canada will end by the couple’s 30th wedding anniversary.

The percentage is higher in the United States — at 44 per cent — but still short of the “half of all marriages end in divorce” stat that gets bandied about.

Still, it means more than one-third of married Canadian couples will eventually go their separate ways. Since that’s reality, those starting down the rocky road to divorce should become informed about this life-altering event before emotions take over.

The Herald spoke with three divorce experts who will be speaking at the seminar, to gather tips for a successful divorce.

lkadane@theherald.canwest.com

———

Smart Tips

- Sandy Shuler is a Calgary based family and life educator whose workshop Effective Coparenting teaches separating parents to put the kids first and understand their needs during separation and divorce.

“Often what happens is, in the process, (parents) are remiss in understanding what the experience is like for kids.”

Four tips:

1. Parents need to love their children more than they dislike their parenting partner. Put aside differences for the kids’ sake.

2. Shield children as best you can from parental conflict. No fighting or name-calling in front of the kids.

3. Give children permission to love and connect with both parents and extended family (unless there is abuse happening).

4. Understand that children will experience loss and grief, too, and that their feelings will be different from your own.

- Sharon Numerow is a certified divorce financial analyst (CDFA) based in Calgary. She worries that people in the midst of divorce make emotional decisions instead of educated ones, and she counsels men and women about splitting up property in their best interests.

“Educate yourself and be prepared. People spend more time researching a car,” says Numerow.

“A 50-50 property split is not always equal, so understand the decisions you’re going to make.”

Four tips:

1. Seek out professional, expert support in every area. Finding a therapist or tax consultant is just as important as hiring a good divorce attorney.

2. Money is always an issue, even when both parties claim it isn’t.

3. When it comes to splitting up investments, understand the scope of them — the risks, outlook, tax implications, costs or fees involved — and make an informed decision.

“It’s a lot of work,” Numerow admits. “I would say it’s really overwhelming for people.”

4. Women need to get on the ball with their financial situation.

“In my experience, way more women have a lack of understanding of, not just finances in divorce, but finances in general.”

- Toronto-based Deborah Moskovitch talked to more than 100 divorce experts when researching her book The Smart Divorce. She recommends people put together a team of professionals to help them navigate the split.

“I noticed so many people were bitter and angry after divorce,” says Moskovitch.

“I realized people are really unprepared for the divorce process.”

Four tips:

1. Realize that many of your divorce beefs are outside of the legal arena. For example, the law does not care if you don’t like your soon-to-beex’s parenting style. So don’t waste your lawyer’s time (and your money) by ranting about it.

2. A good divorce lawyer is gold, but he or she can’t give you parenting or financial advice.

“Bringing in the right people can save you money,” says Moskovitch. A parenting education class and even a therapist cost less per hour than a lawyer.

3. Try to keep your emotions outside of the process. When emotions take over, you end up with massive legal bills.

4. Work on rebuilding your post-divorce outlook. You will get through divorce and get on with your life.

© Copyright (c) The Calgary Herald

To read this article in the Calgary Herald click on the link:

http://www.calgaryherald.com/life/Smart+Split/2595250/story.html?id=2595250&utm_source=twitterfeed&utm_medium=twitter

YOU CAN LEAD A LIFE FULL OF JOY AND HAPPINESS!

“Where Divorce Ends, Your Destiny Begins Telesummit” which will be taking place  Monday and Wednesday Evenings,  9:00 – 10:00 pm EST beginning on October 12, 2009.

The Telesummit I will be featuring 8 teleseminars with 8 leading experts in the field of moving forward during, through and after divorce.

I am the first featured guest on this telesummit.  Tune in tonight and learn what to expect about the emotional and legal aspects of divorce, so that you are better prepared to move forward with focus and confidence, while saving time and money.

Click on the link http://www.lauracampbellcompanies.com/where-divorce-ends-your-destin/ to reserve your free spot.

A SMART CLIENT IS A BETTER CLIENT

A VALUABLE SEMINAR ABOUT THE DIVORCE PROCESS:

HEAR FROM THE BENCH, THE BAR AND THE TRENCHES

Saturday, November 21, 2009 Time: 10:00 am – 1:00 pm

Location: Fairview Library, Room 2 – Lower Level

Registration Fee: $65.00, including G.S.T.

Speakers include: Deborah Moskovitch, Divorce Consultant and author of The Smart Divorce, and recently retired Family Law Lawyer Marilynne Cass, with Featured Guest Speaker: Mr. Justice Harvey Brownstone of the Ontario Family Court and author of the bestselling book Tug of War

If you are either contemplating or currently going through a divorce, this seminar offers you strategies and tips for successfully navigating the divorce process. You will learn about the differences between the “emotional divorce” and the “legal divorce”, emphasizing the scope and limitations of the legal process. You will also hear what you can and should be doing to better move your own case towards resolution. Your will learn how to avoid the emotional pitfalls, anticipate the financial hurdles and understand the litigation limitations. You will be better prepared to move forward with focus, hope and confidence while saving time and money –and your sanity!

Topics that will be discussed:

• Understanding Divorce: Exploring the “emotional divorce” versus the “legal divorce” and how to effectively manage the process.

• Working with Your Lawyer: It’s a job for both you and your lawyer. What you should be doing to make the process most cost effective.

• Getting Your Life in Order for the Divorce Process: How to organize your paperwork to cut down on legal expenses.

• Parenting throughout divorce: Exploring the “emotional divorce” versus the “legal, what children are going through; and putting your children’s best interest first.

• Moving from Mom’s house to Dad’s house – Understanding custody and co-parenting arrangements; developing a parenting plan; and parenting after divorce.

• The legal process and dispute resolutions. What this means and how to develop realistic expectation to manage the divorce process more cost effectively.

• Understanding how child and spousal support are determined. The financial paperwork you need to prepare, and the issues to consider regarding the matrimonial home and much more.

• Finally, you will have the unique opportunity to learn from a judge: how rulings are decided, the importance of using a lawyer, what happens to the self represented litigant

and, putting your children’s best interests first. You will gain valuable insight into what really goes on in the family court room.

To reserve your spot:

Call Deborah Moskovitch at 905-695-0270,

Marilynne Cass at 647-200-7318

or email info@thesmartdivorce.com

It’s not too late to register – if you are looking to gain greater insight into the divorce process and save time, money – and your skin……..space is still available for the October 4, 2009 workshop.

For an unbiased look at what I talk about and the benefits so many have received, click on the link to view a recent article in Metro News entitled: Seminar targets “smart” divorce.  Or, read below.

http://www.metronews.ca/toronto/learn/article/273568–seminar-targets-smart-divorce

There is also another article about the workshops,  which appeared previously in The Toronto Star: http://www.thestar.com/SpecialSections/article/541734

Click on the link for more information:

http://db2.centennialcollege.ca/ce/coursedetail.php?CourseCode=CESI-602

Metro News

Seminar targets ‘smart’ divorce

RAFAEL BRUSILOW

FOR METRO CANADA

August 05, 2009 2:28 a.m.

Worrying about divorce and its complications? It may be time to go back to school.

A three-hour seminar titled The Smart Divorce is being offered by Centennial College’s School of Continuing Education to help people understand the challenging complications involved in a legal marital split.

The seminar, part of Centennial’s Life and Career Skills division, offers tips and strategies for dealing with all aspects of divorce, including the legal and emotional components of divorce, how it affects children and parents alike, how to look for lawyers and deal with them efficiently and effectively, and where to turn for support.

“The course is for people who are contemplating it or are in the situation, experiencing the divorce process already,” said Mary Devine, chair of Centennial’s School of Continuing Education. “People can take away some strategies, skills and an increased confidence to work through their own situation.”

Instructor and divorce consultant Deborah Moskovitch, author of The Smart Divorce, will head up the course.

Moskovitch went through her own messy divorce years ago and wants to pass the lessons she learned on to others who have never experienced the whirlwind of emotions and legal tangles at the root of any divorce. Most important of all, she hopes to instill a sense of hope in people worried that divorce is the end of the line emotionally.

“I truly believe that you can build a better life than you had before. Even if you were a victim, you have to rise above it and really find that happiness,” she said.

Moskovitch says attendance in the course in previous sittings has been almost an even 50/50 split among men and women.

The Smart Divorce runs on Oct. 4 from 10 a.m. to 1 p.m. at Centennial and costs $32. For more information, visit centennialcollege.ca.

The Toronto Star profiled the workshop.  For an unbiased look at what I talk about and the benefits so many have received, click on the link to view the article entitled: Taking the doom and gloom out of the divorce process

http://www.thestar.com/SpecialSections/article/541734

Click on the link for more information:

http://db2.centennialcollege.ca/ce/coursedetail.php?CourseCode=CESI-602

Search

The Smart Divorce® Workshop Series

These workshops are appropriate for individuals contemplating or already experiencing a divorce. Strategies for reducing financial costs and personal turmoil will be presented. Participants will learn what to expect legally and emotionally, and so be able to move through the process with confidence and focus while saving time and money. A subsequent session will address parenting issues, how to work with parenting experts more effectively, and available resources. Feedback from therapists and lawyers has indicated that The Smart Divorce Workshops have helped to prepare individuals for the process and make them better clients.

I have added two new workshops to the series called – Taking Control of Your Finances – with guest speakers Atsuko Hiroaka and Aaron Nimon, both Investment Advisors of BMO Nesbit Burns. The focus of these sessions is to help manage and effectively deal with your financial concerns; how to overcome your fears and understand the financial considerations as you work through the divorce process and postdivorce concerns.

Click on the link for more information: the-smart-divorce-workshop-f09-2-finr1

Program details:

The Smart Divorce: Learning the Basics – February 4, 2009

The Smart Divorce: Taking Control of Your Finances – February 11, 2009

with Guest Speaker, Investment Advisor – Aaron Nimon of BMO Nesbit Burns

The Smart Divorce: Parenting Through Divorce – February 18, 2009 2008

The Smart Divorce: Taking Control of Your Finances – February 25, 2009

with Guest Speaker, Investment Advisor – Atsuko Hiroaka of BMO Nesbit Burns

“Your seminar game the confidence I needed to start my divorce. I know what to do now and feel I’m not alone.” Dave C. Toronto

“I met a client who took your seminar today. An educated client makes this work so much easier!” Jacqueline Vanbetlehem, Mediator and Family Therapist in Oakville

Location: 12 Lawton Boulevard, Toronto (Yonge and St. Clair)

Registration Fee: $25 per workshop

Call The Smart Divorce at 905 695 0270 or email info@thesmartdivorce.com

SPACES ARE LIMITED, CALL TODAY

The Smart Divorce® Workshop Series

 These workshops are appropriate for individuals contemplating or already experiencing a divorce. Strategies for reducing financial costs and personal turmoil will be presented. Participants will learn what to expect legally and emotionally, and so be able to move through the process with confidence and focus while saving time and money. A subsequent session will address parenting issues, how to work with parenting experts more effectively, and available resources. Feedback from therapists and lawyers has indicated that The Smart Divorce Workshops have helped to prepare individuals for the process and make them better clients.

I have added two new workshops to the series called – Taking Control of Your Finances – with guest speakers Atsuko Hiroaka and Aaron Nimon, both Investment Advisors of BMO Nesbit Burns. The focus of these sessions is to help manage and effectively deal with your financial concerns; how to overcome your fears and understand the financial considerations as you work through the divorce process and postdivorce concerns.

Click on the link for more information: The Smart Divorce Workshop Series

Program details:

The Smart Divorce: Learning the Basics – February 4, 2009

The Smart Divorce: Taking Control of Your Finances – February 11, 2009

with Guest Speaker, Investment Advisor – Aaron Nimon of BMO Nesbit Burns

The Smart Divorce: Parenting Through Divorce – February 18, 2009 2008

The Smart Divorce: Taking Control of Your Finances – February 25, 2009

with Guest Speaker, Investment Advisor – Atsuko Hiroaka of BMO Nesbit Burns

“Your seminar game the confidence I needed to start my divorce. I know what to do now and feel I’m not alone.” Dave C. Toronto

“I met a client who took your seminar today. An educated client makes this work so much easier!” Jacqueline Vanbetlehem, Mediator and Family Therapist in Oakville

Location: 12 Lawton Boulevard, Toronto (Yonge and St. Clair)

Registration Fee: $25 per workshop

Call The Smart Divorce at 905 695 0270 or email info@thesmartdivorce.com

SPACES ARE LIMITED, CALL TODAY

With a smart divorce, you realize that the pain of divorce can be lessened dramatically by properly handling the competing emotional and legal sides of divorce. And, that you deal with the emotional side of divorce outside of the legal system. If you are able to do this then you are more likely to gain perspective on your legal options early on; this will assist you in making informed decisions, protect you from the damage that uncontrolled emotions can cause; and guide you in meeting your children’s best interest.

Being smart about divorce also means arming yourself with knowledge about the divorce process. There are many ways to research divorce. Here are a few ways that I can help you navigate the divorce process:

• Reading the book, The Smart Divorce – available at amazon.com, amazon.ca, barnesandnoble.com and wherever books are sold.
• My One-on-One divorce consulting can help you think strategically about the divorce process. one_on_one_consulting-pdf
• Enrolling in one of The Smart Divorce workshops.

There was a recent article in The Toronto Star which outlines the benefits of The Smart Divorce workshops. http://www.thestar.com/Comment/article/541734

If you think that any of this would be helpful for you, please don’t hesitate to contact me at info@thesmartdivorce.com

Wishing you all the best during this difficult time,

Deborah