 whether it's a will kind of financial or health care kind of powers of attorney some trust planning and things like that let's get back to those in just a minute we've got a couple of callers who want to keep them waiting so josh take it away you got it we got joe oh we got forgive me we got joe and john on the air but if you want to join if your name starts with a j like josh maybe you can call in 844-580-9326 certified financial group answering your financial questions live on the air john from orlando go ahead john you're on the air morning john hey