The Mudcat Report Episode 22: Family Law

The Mudcat Report Episode 22:  Family Law 

HOST:  Hunter Dawkins -  Owner/Publisher of the Award-Winning Newspaper - The Gazebo Gazette, SuperTalk Mississippi News contributor, former Congressional Staffer, former Public Relations for the Attorney General's Office

PRODUCER:  Jeff Clark - Award-Winning Journalist, Multimedia/Podcast Host, Director for the Harrison County Senior Services

GUESTS:

• Tina Seymour Demoran, Esquire - Seymour Law Firm
• Joseph Kelly - Joseph Kelly, Attorney at Law PLLC

Transcript

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Welcome to the Mudcat Report, community news, politics, and culture with a local twist. Here's your host, owner and publisher of the Gazebo Gazette, Hunter Dawkins. Good afternoon. My name is Hunter Dawkins, and I am the host of the Mudcat Report. This is the 22nd episode in a Mississippi Gulf Coast community news podcast, sponsored by the Gazebo Gazette, Harrison County's independent newspaper, the Beau Revage Resort and Casino, Nine Toes Ruin Company in Paskristian, O'Duire Realty Agent, Stephanie Mankovitz, Joseph Kelly, attorney at law, Coast Casual in Pasqua's Chan, the Rotary Club of Pasqua's Chan's Paddle the Bay Fundraiser, the insurance barn in Gulfport, and we're always in the U.S. Marine Inc. Studio. I'm here with my wonderful producer of the show and my good friend Jeff Clark. Jeff is a well-accomplished award-winning journalist and director of the Harrison County Senior Services. Jeff, how are you, my friend? I'm well, Hunter. Uh, you know, doing good, man. Just uh starting starting another week and uh always glad to be here with you on this podcast. First off, Jeff, I want to apologize to the listeners of the show for not receiving our wonderful episode last week because I think you and me both agree it was pretty wonderful that we shot last week live from the Beau Revage. We were having a few technical difficulties that are currently in the process of getting straightened out. And I promise this that that episode will be released once the problem is solved. As the host, I will take full responsibility of this, and I apologize if we have not had as I've had some people reach out. We are not making any excuses, but I will try to do my best to put together a good show this week and we'll make available the that one upon receipt of the opportunity. Now we certainly have an interesting show, Jeff. One of our guests told me this one time that her mother told her to never get rid of a good doctor or a good lawyer. And I will assure you that both of our guests are exceptional lawyers, and they will help, they will definitely help you with your family numerous issues, at least for the law, and especially when it comes to difficult times. Right on. Family law is probably one of the most uh important uh practices of law. Uh I'm I'm super uh interested in hearing what our experts have to say tonight. Um should should should be a great show. But I mean, you know, thing things happen in families, um uh good things, bad things, and uh, you know, it's always good to uh to have someone who's going to help you uh and your family when you need it the most. Absolutely, my friend. Well, let's keep the going to our first guest here. Sounds great. The greatest fairy tale never told is coming to Beau Revage this summer. Everyone's favorite ogre hits the stage in the Broadway hit Shrek the Musical. Join Shrek, Donkey, and Princess Fiona on a high-energy family-friendly adventure, June 11th through July 2nd. Tickets start at $25 with four packs starting at 60. VIP package is available. Get your tickets at BeauRevage.com. A rent production show, produced or special arrangement with Music Theater International, MTI, plus tax and service charge. Schedule to which you change some restrictions may apply. Grab your paddle and join the fun at paddle the bay, hosted by the Rotary Club of Paz Christian. Mark your calendar for Saturday, June 13th, from 8 a.m. to 1 p.m. at Hederson Point Park, right at the base of the Bay Bridge. Paddle the Bay or explore the bayou while enjoying a day filled with food, music, and community spirit. Celebrate more than 100 years of service and consider donating $100 or more to support a great cause. Plus, compete to win gold, silver, or bronze paddles and prizes by raising the most funds. For more information, go to the Rotary Club of Pass Christianne's Facebook page. Don't miss paddle the bay, where fun meets purpose on the water. Looking for trusted legal guidance on the Mississippi Gulf Coast? Joseph Kelly, attorney at law, has been serving the coast since 1993, helping families protect what matters most. From estate planning to securing your legacy, Joseph Kelly provides experienced, personalized legal services designed around your unique needs. With decades of knowledge and estate law, you can plan with confidence, knowing your wishes will be honored and your family protected. Call Joseph Kelly, Attorney at Law Today at 228-467-3400, or visit the office at 114-Main Street, Suite 102 in Bay St. Louis. Joseph Kelly, Attorney at Law, here for you, serving the Mississippi Gulf Coast since 1993. And now I would like to introduce our first guest, one of my good friends and my personal lawyer, a stunningly beautiful, hardworking, and multiple award-winning attorney, Tina Seymour Dimeran, the owner and senior partner, Seymour Law Firm. Tina, how are you, my friend? I am doing great. How are you doing, Hunter? I'm doing very well. I'm doing very well. And I, you know, you were the first person I thought of when I we really, Jeff and I discussed about family law, would be a certain, you know, concern. And I know you're definitely a vocal person about a lot of things, at least, not only writing some columns for me and having your own input in the community on other media platforms. What types of family law cases do you handle most all most? And what are some of the biggest misconceptions people have about family court in Mississippi? Well, the family law cases that my firm handles most often involve divorce, child custody, child support, visitation, modification of existing court orders, and contempt actions. That's when someone isn't following the court order. One of the biggest misconceptions people have is that family court's about winning. When I, as an attorney, when we took an oath for chancer court, we part of that was to look at the best interest of the families, the best interest of the child. So family court's not about winning. It's not designed to create winners and losers, even though people often view it that way. The court's job and my job is to help make decisions that are in the best interest of the children to create fair outcomes based on the facts and the law. Another big misconception is that if something seems unfair, the judge can just fix it. Judges are they have to follow a Mississippi law and the evidence presented to them. So preparation, good legal advice are so very important in these matters. The first thing I tell people is just slow down, take a deep breath, think strategically, put a motion aside, which is hard to do in these cases. I understand. I've been through a divorce myself. But you have to gather your important documents, such as bank statements, tax returns, retirement account information, insurance policies, and anything related to your assets and debts. If children are involved, you need to get out a calendar and start documenting your schedules, the school involvement, the medical appointments you took those kids to, and the day-to-day caregiving responsibilities that you have been responsible for and you've done. Also, please stay off social media with it. Be careful what you say, text, email, and post on social media. Assume that anything you put in writing could eventually be read in a courtroom. So if you don't want the judge to hear it in an open courtroom, don't say it, don't post it, don't do it. But the most important thing is don't wait to the last minute to hire an attorney. Talk to an attorney as soon as you start considering legal action of any kind. A consultation before filing can help you avoid mistakes that may be difficult or expensive or impossible to correct later. Tina, what can I do if my ex or the parent of my child is not following the order that was handed down by the court? The first thing is don't take matters into your own hands. If there's a court order in that place, make sure you're following the order yourself, even when the other side's not. Document everything. Keep records of the missed visitation, denied visitation, the unpaid support or other violations. Any other evidence that helps tell the story. Once you've gathered all that documentation, reach out to an attorney, either the attorney who handled your case in the first place or another attorney who specializes in that area. And talk about is contempt appropriate at this point? Mississippi courts take violations of court orders very seriously, but you need evidence to prove that that person is in contempt. What are some common mistakes during a divorce and custody dispute? And how can those mistakes affect their case? Facebook is my best friend and my worst enemy in family law. It's one of the biggest pay places where people make mistakes. People post when they're angry, when they're hurt, when they're trying to prove a point. And trust me, those are my exhibit A, B, and C in most of these cases. Another common mistake is talking to the kids about adult issues. Kids need to be kids. They need to enjoy their childhood and be able to love both parents equally without being involved in adult matters. They should never be messengers, investigators, or put in the middle of conflict between parents. I also see people make huge financial decisions during a divorce without getting legal advice first. Moving money, selling property, making large purchases, getting rid of stuff can create problems that could have been avoided. Finally, some people wait till it's the last minute to seek legal advice because they're hoping everything will improve on its own. Sometimes it does, but often valuable time and evidence are lost in the waiting. For someone who feels overwhelmed by a family law issue, whether it's divorce, custody, child support, or visitation, what advice would you give to them as they begin navigating the legal process? First, you have to understand that feeling overwhelmed and being emotional is completely normal. I've been there. I understand. Most people never expect to find themselves in family court. And yet it can be one of the most stressful experiences of their lives. Take one step at a time. Focus on gathering information. Understand your rights. Create a plan. Don't make decisions based on fear, anger, or advice from people who don't have a law degree or people on social media. Find an attorney you trust. Ask questions. A good attorney is not going to just explain the law. They're also going to help you understand the process so you know what to expect. And most of all, remember, this chapter is not your entire story. While family law matters can be difficult, there is life on the other side of them. I am living proof. What has been the most rewarding aspect of helping families for you through difficult transitions? And what do you wish more people understood about family law in Mississippi? The most rewarding part of my job is just helping people people move from a place of uncertainty and fear to a place where they have a plan and a path forward. My clients, many of my clients, come into my office feeling overwhelmed and worried about their future and their children's future. Being able to guide them through that process is incredibly meaningful. What I wish more people understood is that family law isn't just about legal documents and court hearings. These cases involve real people, real children, and real emotions. Every family is different, and there is rarely a one-size-fits-all solution. I also wish people understood that getting legal advice early doesn't mean you're starting a fight. Often it means you're trying to avoid one. The more informed you are, the better decisions you can make for yourself and your family. Tina, the final question I have for you since we have an upcoming hurricane season on the horizon, and I know you write about this all the time, not only for me, but I know you talk about it vocally to other media platforms. Give me a short summary of what steps you need to take and documents you need to save to protect yourself. First of all, you need to get all of your documents in one place. Get them in a grab and go pack. So if you do have to evacuate or you're prepping for a hurricane, the last thing you have to worry about is getting all of your important paperwork together. Second of all, it needs to be in a dry, a wet proof bag because you may be evacuating during rain or God knows what kind of weather we have during these hurricanes. Each one's different. Third, you need to have a plan, a communication plan. So if you do evacuate, you can reach out to your ex-spouse, the father or mother of your child if you're taking the kids with you. And also with your family. Fourth, you need to have some type of preparation pack in your house where you can grab it and get out quickly. The main thing is looking at the before the storm, go outside and videotape around your car, the condition of your roof, the condition of the outside of your house. Go in and video with your phone the contents of your closets, all of your electronics and the possessions that may be damaged in the storm, and then email it to yourself or save it to the cloud. That way, in the event that you do have to make an insurance claim or recreate your life after a storm, you have somewhere to start. And make sure all of your important paperwork that you may be evacuating with is not just in your hand, but scanned and on the cloud in the event that you lose it during the evacuation. Tina, you know you know I love you and you know you're one of the best. Um just tell everybody how they can contact you. Um we are at Seymour Law Firm in Ocean Springs. We're right off exit 50, about a mile off exit 50. The main number is 228-697-3476. But if you go on Facebook, you can find Seymour Law Firm there.com is our website. I am constantly posting seminars that I'm I'm doing online, as well as articles and different information pieces about family law, estate planning, probate, and hurricane preparedness. You take care of yourself, Tina. All right, thanks, Hunter. It's nice talking to you. Looking for insurance coverage you can count on? Call the Insurance Barn, a professional agency since 1959. The insurance barn writes all-in-one policies and offers coverage for homeowners: fire, flood, commercial property, auto, boats, motorcycles, plus wind and hail protection. Visit them at 190-221st Avenue in Gulfport. Call 22886-31647 or learn more online at the insurancebarn.net. The Insurance Barn, protecting what matters most for generations. United States Marine Inc. knows what it means to show up strong. Your grid and teamwork inspire us every day. At USMI, we cherish our family. And our family includes community and you.com. Coast Casual, relaxed style starts here. The Gazebo Gazette is Harrison County's only independent newspaper, publishing news from Gulfport to Bay St. Louis every Friday. Hi, this is Hunter Dawkins, owner of the Gazebo Gazette. If you're looking for local news without the hassle of sorting through story after digital story, log on to thegazeboGazette.com. Add your name to the digital audience of 250,000 plus coastal residents who already know where to find the stories that matter to them. Thank you again, uh Mr. Joe Kelly, but it's Joseph Kelly, attorney at law, PLLC in Bay St. Louis. You know, Mr. Kelly, you know, John Grisham has written books uh about the wills and the greed of our human you know mechanisms that come out in the states. Maybe you could talk to me about what you've seen and what you advise your clients how to handle this process. Hey, good evening, Hunter. Yes, it's very important for people to understand the estate process. First, the only reason an estate ever has to be probated is if you pass owning something. The whole objective of a good estate plan is not to pass owning anything. You want to control everything, but you do not want to own it. In the event you do pass owning something. Another big misunderstanding is if you have a will, your estate does not have to be probated. That's not correct. If you pass owning something, your estate will have to be probated. A will directs how you want your estate distributed. If your plan is to leave everything to your surviving spouse, if any, and then your children in equal shares, technically you don't need a will because that's what the law provides. If you pass without a will, your wife and your surviving children will split your estate. If you want to leave something other than an equal share to your beneficiaries, or if you want to leave a non-family member a gift such as a charity, well then you need a will to direct that. So if you have three children and you want one child to get 50% and the other two to get 25 each, you would need a will to direct that. If you want to leave money to an animal shelter, you will need a will to do that. Of course, there are other ways of accomplishing that, but a will is probably the most economical way of accomplishing that. Okay, Mr. Kelly, you know, based on the the chantry court in Mississippi, is there a rule, uh normally a rule of distribution of assets if you don't have a will, or is there is it is there a different process that you have to go by if you do have a will or if you don't? How do the judges make the ruling on those those platforms? Well, um I the chancery court part. Of that is called the probate process. And whether you have a will or not, the process is the same. It's just a will can deviate from what state law mandates. State law mandates that if you pass without a will, your wife and your children share in your estate in equal portions. It's called uh share and share alike. If you have a will, you can deviate from that. So if you do want to leave some of your belongings, like I said earlier, if you want to make a donation to a charity, well, you'd need a will to do that. And and the the chancery court process is by which that estate is probated, whether you have a will or not. Okay, do usually so some of these, you know, with your clients, do you counsel your clients on trying to remember what the deceased person wanted, or is that just in the wills they have to be put in, like you said? If if you pass uh with anything in your name, so again, like like I said in the beginning, the best practice is not to own anything in your name when you pass. That's the best practice. And and it works for small estates, Hunter, and large estates. For example, a lot of people, their primary asset is their residence, their primary residence. And then they may have a checking account, a savings account, maybe they have a small investment account. Well, on all of your financial accounts, you put beneficiaries. And so those financial accounts, if you have beneficiaries, the moment you pass, all those financial accounts go directly to those named beneficiaries in whatever proportion you dictate. Um your house. That's one of the biggest issues with when you when you pass. If you pass with the house in your name. And of course, Mississippi in 2018 passed this lovely little statute allowing for what is called a transfer on death deed. It is a deed that you sign now. We record it now, and you put in that deed who you want to get your property when you pass, and then the moment you pass, that deed becomes effective, and it goes to those people without having to probate your estate. Of course, um, up until you pass, the transfer on death deed can be canceled, rescinded. You can sell the property, you can refinance the property, you can do a new transfer on death deed. The most important point to understand is that a transfer on death deed has zero legal effect until you pass. Now, there are two instruments by which you can convey your house to avoid probate. A lot of people are familiar with the life estate deed. But what people do not realize if you create a life estate deed, that's where you retain a life estate for your lifetime. And then when you pass the remainder interest, the interest left over goes to your children, whoever you dictate in the deed. The problem with the life estate deed, though, it makes those children owners now. So you cannot do anything legally with that property without your children also signing whatever instrument. If you're refinancing, they have to sign the mortgage. If you're selling, they have to sign the conveyance papers. So, number one, with a life estate deed, you need your children to then join in on any transaction you do. The other uh derogatory thing about a life estate deed is that if there are any judgments or liens against your children, those liens can attach to your house. So that those are the cons for a life estate deed. The con for a transfer on death deed is that when you the moment you die, your interest goes to whoever you gave it to in a transfer on death deed, which is typically your children. But if your children want to sell that house immediately upon your death, then your estate is going to have to be probated. So again, it's just uh this is why it's just so important to have an estate consult with an attorney. Because uh an attorney needs to understand what is your objective, and then a good attorney will recommend the most cost-effective way of accomplishing your objective, and and that's what I do. All any good estate attorney should do an estate consult for free. They should not charge you to talk to you, and I'll talk to anybody for any length of time, and I then give them my opinion, my recommendation, and precisely what the cost would be. And then they can go on and shop at and make whatever decision they want. One of the most important questions I've had for you, Mr. Kelly: what are the common mistakes that your clients make, or either if they're the the dead or their families, or when they're alive they make? Okay, some of the most common mistakes. AI now is a really big thing, and all these online will kits and trust kits and all these estate kits, the deal is those kits get it about 80 to 90 percent right, but there's always at least 10 percent that those online applications get wrong, and if there is one thing incorrect in a will, it will be invalidated, so the will will be no good after that. So it's um that that's one of the most common mistakes I run into are people that do at-home wills and they bring them to me, and then I have to tell them unfortunately this will is not valid. Uh the the other big thing is that um people think when they're they're when they have a will and they're appointed executor, this is after the decedent passes. The executor thinks because they're appointed in the will, they do not have to open probate, and they can go deal with the decedent's property and get their money and whatever, but they cannot. A will has to be tendered in court for probate, a judge has to approve that will, and a judge has to approve appointing you. If any interested party, such as a family member, a beneficiary, a creditor, if anyone objects to your appointment, then the court would conduct a hearing to determine whether or not you will adequately represent the estate's interest, or is there someone better suited for that? Bottom line is if you pass owning something, your estate is going to be probated whether you have a will or not. And when your estate is probated, you're subjecting yourself to the courts, to any claimants, to anybody that wants to contest. So it just it's a it's a black hole that you can walk into. Nothing may happen, and anything can happen. Final question for you, sir. Talk to me about your advice on contracts. On contracts, yes, sir. Um, in any particular, you know, contracts, that's a very broad category, Hunter. And and then I know a lot about contracts, but anything in particular? Sure. Especially like with relation to a uh family estate. All right. Um contracts are not typically something you would see in a fan in a family estate or an estate portfolio, I like to call them. Sure. I mean, usually you see things like uh uh you need to consider a one, whether you need a trust. You really need to consider whether or not you need a trust. And there are certain questions that need to be evaluated on whether you need a trust. And that comes into whether or not you may ever need to go into a nursing home and you may have to qualify for Medicaid, um, whether whether you want your assets to be preserved past your death, or if you just want to avoid probate, you need a trust. Then you also have a general durable power of attorney, which should be part of every estate portfolio, a pour over will or a will, a health care directive, um, and a personal property distribution form. These are all just documents that are part of a well uh completed estate plan that you can pass in peace, knowing that your loved ones and your assets will be distributed the way you intended. Well, Mr. Kelly, we thank you very much for being on with us. We thank you for sponsoring our podcast. We have nothing but more than enough respect for you, and we want to have you on again because obviously we want to have some more legal discussion and things and such, and we gratefully appreciate your help. Tell everybody how they can get in touch with you, uh, Hunter. If anyone wants to reach me, then call me at 228-467-3400, or they can email me, J-O-E-K at Jellylaw.net. And remember, my consults are free, so it costs you nothing to talk to me and listen to me. Thank you, my friend. You take care of yourself. And appreciate you, Hunter. You're doing a great job there at the Gazette. Thank you, sir. Okay, goodbye. The following is a paid advertisement by O'Dwyer Realty Agent Stephanie Mankowitz. Call Stephanie today at 228-563-0471 for all your Realty needs. And here we are talking about Realty again with our O'Doire Realtor Agent sponsor, Stephanie Mankowitz. Let's talk about the tips this week from Stephanie about what realtors should be doing for you. Thank you, Hunter. As always, it's a pleasure to review realtor topics and uh hopefully it helps people, right? So, what should we do we be doing for you, the buyer or the seller? First thing I would say is, and it's in the actual disclosure everybody signs when they work with an agent, is ensure all parties are represented fairly and honestly. It's called fair and honest dealings. And if I'm helping you or anyone out before I can even show you a house, you know, you sign that disclosure. And it's not even a contract, it protects you as a person. And I'm supposed to explain that for him to you and say, hey, before we do anything real estate, I am licensed, I am liable, I am here to help you, give you fair and honest dealings, get the most I can for your house, confidentiality. I'm not gonna, if you're a seller, I'm not gonna tell people your bottom line. That's a secret. So, um, so we'll start with that. The first thing is that we are fair. And sometimes realtors get a bad rap. Sometimes there's realtors that have caused that. But uh I know I'm one of the realtors that considers myself pretty by the book and just trying to solve the problem. I just want to be part of the solution, right? So if you're selling a puppy or Avon, whatever it is, there's liabilities when you're selling a house times three times ten. Okay. Alright, well, I would say uh another thing we do we we make sure that uh the people who maybe they were they've never sold a home before or they've never bought a home before. We make sure that we we through the shaky buyers or the sellers, buyers that maybe aren't a good idea to deal with, we can see problems coming before they start. When a realtor's been doing this 10 years, and if it is a buyer, we're also looking for sellers that might be a problem. You know, if we're putting in a really healthy offer and it's like full price or near full price, and then we hear there's a multiple offer situation, it doesn't mean you panic. You know, sometimes you leave your offer right where it is, even though there's other offers. So we're making, we're weeding through the shakiness and the things that come up that seem unpredictable. And one of the other unpredictable things, like for sellers, is you know, they get an offer and it's got 10 contingencies on it, and the price looks great, and they say they're cash, but there's all these contingencies. So um, you know, you're not you're not really aware how much we help you until you actually deal with a good realtor. That's one thing I would say. And and we want to help them determine the value that's correct if they're selling. What are some of the things that determine the value? Oh okay, that's a good one. Let's start with location. You know the old saying, location, location, location. All right. Uh let's start with what are things selling for around you? If you're in a nice neighborhood and and you think your house is a castle, we all kind of feel like that when we love our home. Doesn't mean it's worth three times what the market says. Uh so people will hear realtors say, Well, the market says your house is worth this. And some sellers don't want to accept that. No, no, it's it's got to be worth more. I've got a double granite countertop, I've got a fountain that shoots out gold in the backyard, and I've got three kittens with it. So I think I should get a hundred thousand more. And we have to rein people in and say, I love your kittens, I love your granite. And the last year in your neighborhood, people have paid this amount. And though, and that's where we start thinking like an appraiser. So we're like, okay, wait, we can go out two miles and look at the last sales in the last year within two miles of this property, and we can see what people have been paying. And we also look at the square footage, and that's really important, Hunter, because if your house is 2,000 square feet and you saw one sell for a million and it had 3,000 square feet, and you're like, well, mine's worth that too. You're a thousand square feet smaller. So I can't even count that house as a comparable sale, right? When we determine the value, it is the critical, probably the most critical thing we do as your listing agent. Because that price is the first thing they see, just like the pictures. And if we priced you so high that you seem ridiculous, they're not coming. And then guess who you don't like? Me, the realtor. You don't like me anymore. So I'm kind of an upfront realtor. I think a lot of us are after we've been in a while. And we say, look, in all honesty, right now, this is what the market says your house is worth. Other things we're gonna help you with is um determining what is the inside of the house worth. Um, appraisals are gonna change next year uh across the country, and there will be different data inputs into determining what your house is worth. So we're gonna be on top of that. Um, and so if you're trying to sell on your own, you know, we can be really helpful and deal with all these unexpected things that happen when you try to uh sell on your own. Um and you know, we've talked about sellers a lot, so okay, I'm just gonna put this out there. If you're thinking of selling on your own, that's some of the things we're doing for you, the seller, to make it easier is photos, professional photos. We pay for those. A lot of our photographers have drones. We're taking the calls because it's our number on the sign. So if it's a looky loo, it's not an ideal buyer. We've got our radar out there, so we're taking that hassle, you know, out of it. If you are thinking about selling on your own, maybe ask Steph. If you would like to talk to Stephanie to help determine your next steps, call today at 228-563-0471. Or call her at the office and ask for Steph at 228-452-4242. Steph has the latest information to help you get through the process with reasonable expectations. Again, that's 228-563-0471 to speak directly with Stephanie. We gratefully appreciate you listening to this podcast. Jeff, we thank you again. We had some really good, really good conversations, some really good discussions with some great attorneys, especially when it came came to family law and estate. Yeah, man, it was a great, great episode, a lot of great information um uh about what documents you need, document protection, just just all of it. Uh I'm glad to hear from from both Kina and Joe Kelly. It was uh it was a great show, very informative. Absolutely, and we want to thank all of our sponsors, as always, including Bo Revage Resort and Casino in Biloxi. River Dance is upcoming this week, uh, and Nine Toes Brewery in Paskristian. And then we have O'Doire Realty Agent Stephanie Makowitz, Joseph Kelly, attorney at law, as we just heard from Mr. Joe about the estate planning. Um, then Coach Casual in Paskristian, a great, great store who's providing some discounts. The Paskristian Rotary Club's Paddle of the Bay fundraiser, which will be coming up soon. The insurance barn and Gulfport. And then finally, the U.S. Marine Inc. You know, Jeff, it's a great time. And let's make sure you follow us on the gazeboazette.com where this podcast will be posted sometime this week, as well as on facebook.com backslash the real gazebozzette or on X at Gazebo Gazette is the handle. The Mudcat Report is available on all podcasts. As Jeff says all the time, it's on Apple, Spotify, iHeart, Amazon Music, or any other podcast. That you don't see it, let us know. And it's under the Mudcat Report tag. Signing out, this is Hunter Dawkins, the host of the Mudcat Report. And now you know the rest of the local story. Good night.