<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0">
   <channel>
      <title>PasadenaLawBlog</title>
      <link>http://www.pasadenalawblog.com/</link>
      <description></description>
      <language>en</language>
      <copyright>Copyright 2010</copyright>
      <lastBuildDate>Mon, 26 Jul 2010 21:51:41 -0800</lastBuildDate>
      <generator>http://www.sixapart.com/movabletype/?v=4.34-en</generator>
      <docs>http://blogs.law.harvard.edu/tech/rss</docs> 

      
      <item>
         <title>Parent Alienation Syndrome: Divorce&apos;s Dirty Little Secret</title>
         <description><![CDATA[<p>Do you think that bad-mouthing your spouse to your children is just venting and not really damaging? Then think again. <p>
<p>Experts say that "ex-bashing" more often than not leads to Parental Alienation Syndrome (PAS). PAS is a growing concern among therapists, child psychologists and family lawyers in <a href=http://pasadenadivorce.com/Pasadena.aspx>Pasadena</a>. PAS, according to R.A. Gardner, who discovered the disorder, "<em>arises primarily in the context of child-custody disputes. Its primary manifestation is the child's campaign of denigration against a parent, a campaign that has no justification. It results from the combination of a programming (brainwashing) parent's indoctrinations and the child's own contributions to the vilification of the target parent.</em>" Severe cases of PAS can result in kidnappings and psychological violence, but most commonly the disorder can damage a child's self-esteem and create feelings of fear and confusion. Fortunately, if you know the warning sings and where to get help, PAS can be treated and avoided.</p>

<p>PAS usually puts children in the middle of divorce warfare and in highly volatile situations. Things like a disregard for the child's possessions, forcing the child to give a parent information about the other parent, threatening a child into making <a href="http://pasadenadivorce.com/Practice_Areas/Child_Custody.aspx">custody</a> decisions and manipulating a child into feeling bad for spending time with the other parent are signs that a parent may be experiencing PAS. Other red flags include financial blame placed on another parent, refusal to be flexible with visitation and making demands that contradict court orders.</p>

<p>Psychologists believe that PAS is caused by unresolved feelings of anger toward an estranged spouse. The feelings are repressed and then manifest in wild and dangerous behaviors. Childhood abandonment issues and the presence of a new spouse or lover also can trigger PAS. PAS can be avoided by seeking professional help during the divorce process. If you're experiencing these thoughts and behaviors, it's vital that you speak to someone so your child does not become a victim of your erratic behavior. Also, discussions about an ex should only happen when the child isn't in earshot. On the flip side, if your ex is displaying signs of PAS, seeking psychological help for your child is a great suggestion and your family attorney should be alerted right away if PAS has disrupted court-ordered arrangements.</p>

<p>The old adage for children during tough times is "let them know they are loved." This is especially true during divorce. Affirmations of love and support are the only weapons kids have when it looks like their world is falling apart. With open communication, education and resources, PAS doesn't have to be a part of our children's lives.</p>

<p>__________________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/parent_alienation_syndrome_div.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/parent_alienation_syndrome_div.html</guid>
         <category>Child Custody</category>
         <pubDate>Mon, 26 Jul 2010 21:51:41 -0800</pubDate>
      </item>
      
      <item>
         <title> Kate Winslet&apos;s Civilized Divorce</title>
         <description><![CDATA[<p>Amidst the contentious and dramatic divorces of Tiger Woods and Sandra Bullock, it is refreshing -- albeit rare -- for <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a> attorneys in Pasadena to hear about grown-up celebrity divorces. Take Kate Winslet, for example...</p>

<img alt="sam and kate.jpg" src="http://www.pasadenalawblog.com/sam%20and%20kate.jpg" width="143" height="195" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" />

<p>The Oscar-winning actress and<em> American Beauty</em> director Sam Mendes announced their split earlier this year, and appear to be participating in a very amicable and functional divorce. Kate and Sam have been seen around New York City in recent months exchanging their children in perfectly organized pick-ups and drop-offs. According to the<em> Daily Mail, </em>Winslet and Mendes orchestrate timing to avoid one another while keeping their children out of the war zone. Mendes reportedly waits for his ex to leave before he accompanies the kids to school each day. He then walks the kids to their private school in Greenwich Village about a mile away. Winslet picks them up in the afternoon around 3 p.m. when Mendes is at work. The couple even lives on the same block while sharing parenting duties of son Joe and daughter Mila. Winslet and Mendes avoid contact with one another but generally appear to get along in situations when they are forced to interact. Despite this current peaceful climate, sources are quick to note that the couple is not expected to reconcile.</p>

<img alt="Kate Winslet.jpg" src="http://www.pasadenalawblog.com/Kate%20Winslet.jpg" width="225" height="225" class="mt-image-right" style="text-align: center; display: block; margin: 0 auto 20px;" />

<p>This is an improvement for the couple; they were on separate sides of the globe when their divorce was announced back in march. Winslet was on vacation with close friend and former co-star Emma Thompson and the children in Mexico. Mendes, on the other hand, was working in Los Angeles. Rumors of Mendes having an affair with actress Rebecca Hall swirled shortly after the pair announced their separation. Hall since has denied the rumors, saying that she and Mendes are only friends. Winslet has stayed out of the limelight, focusing on her children and returning to work. She has a variety of projects on the horizon, including a romantic comedy with <em>Hangover</em> star Bradley Cooper.</p>

<p>____________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/kate_winslets_civilized_divorc.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/kate_winslets_civilized_divorc.html</guid>
         <category>Child Custody</category>
         <pubDate>Sun, 25 Jul 2010 21:53:14 -0800</pubDate>
      </item>
      
      <item>
         <title>Newly-single Women and HIV</title>
         <description><![CDATA[<p>Ladies: Before you rush out of your family lawyer's, Pasadena, office and head for the singles bar in search of a "hook up", you may want to read this...</p>

<img alt="women at bar.jpg" src="http://www.pasadenalawblog.com/women%20at%20bar.jpg" width="275" height="183" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" />

<p>According to a study from the University of Florida conducted by Kathryn Grant, many divorced, middle-aged women are at high risk for contracting sexually-transmitted diseases. Most tellingly, the study revealed a lack of communication between doctors and older women on the topic of HIV. Almost two-thirds of middle-aged women who had started dating after divorce or widowhood said they feared they were at risk for contracting HIV and other sexually-transmitted diseases. Yet the women polled said their physicians rarely spoke to them about the dangers of sexually-transmitted diseases. The doctors interviewed for the study, on the other hand, said that professional, older women usually are not considered to be at risk for HIV and AIDS. Women in their late teens and early twenties are statistically more susceptible to STDs, and therefore receive more information than women who are older.</p>
<p>Most of the 44 women interviewed by Grant said they didn't feel comfortable talking to their doctors about sex and sexually-transmitted diseases. About half of the women, who range in age from 44 to 68, said they believed it was the patient's responsibility to voice concerns about STDs, while 28 percent said that the doctor should routinely ask all patients regardless of age about sexual activity and STDs. The remainder of the women polled said they believed it was up to both parties to initiate the conversation. Seventy-four percent of the doctors interviewed agreed that both doctors and patients should initiate a discussion about HIV.</p>
<p>The biggest revelation out of the studies is that both doctors and older female patients said they didn't feel comfortable talking about HIV with one another in fear of embarrassment or that they would offend the other person. AIDS health care professionals say that this lack of communication is still the biggest issue regarding HIV education while stressing safe sex and that routine testing is important at any age. According to aidswisdom.org, in the last decade, AIDS cases in women over 50 tripled. Grant was inspired to conduct the study after reading a magazine article about a divorced woman in her mid-50s who contracted HIV after she re-entered the dating scene.</p>
]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/newly-single_women_and_hiv.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/newly-single_women_and_hiv.html</guid>
         <category></category>
         <pubDate>Fri, 23 Jul 2010 09:01:39 -0800</pubDate>
      </item>
      
      <item>
         <title>Has Mel Gibson&apos;s Ex-Wife Come to His Rescue?</title>
         <description><![CDATA[<p>Family lawyers in Pasadena, tabloid reporters around the world, celebrity watchers and even the police all have opinions about the current fall from grace of actor and Academy Award winner Mel Gibson. With the release of what now are commonly referred to as "the tapes" -- in which Gibson channels Mad Max and drops every racial slur, misogynistic defamation and general hate-filled phrase under the sun -- folks are wondering how and if he can ever be back in good graces with the public. An unlikely figure, however, may be the one person who can help Gibson: his former wife of almost 30 years, Robyn.</p>

<img alt="robyn04.jpg" src="http://www.pasadenalawblog.com/robyn04.jpg" width="300" height="362" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" />

<p>The couple, according to celebrity gossip sites, might be returning to Australia to disappear for a while from the media attack that currently surrounds the actor. Not only did Robyn give Mel 8 children, she stood by her man during his first fiasco, the infamous Malibu DUI of 2006. Gibson often credited Robyn for helping him recover from alcoholism. She even appeared with him at public events and looked as if she was truly in for the long haul. Yet behind closed doors, insiders say the marriage was already over. Mel and Robyn separated that same year. News outlets were quick to declare the couple as "totally over." The courts, on the hand, told another story. The Gibsons didn't even file for divorce until 2009. Citing "irreconcilable differences," the couple seemed to have ended things amicably; Robyn did not aggressively pursue a large chunk of Mel's estimated $900 million fortune.</p>

<p>And now, Robyn is publicly defending her estranged spouse, saying Mel was never physically abusive and was always a caring father despite the claims of bitter ex-girlfriend Oksana Griorieva. Mel is likely to stay put in Los Angeles until some of his legal messiness, including a custody battle for his <a href="http://pasadenadivorce.com/Practice_Areas/Child_Custody.aspx">child</a> with Griorieva, is cleaned up, but reconciliation with Robyn at this point does not seem unlikely. One thing we've learned from the volatile Mel Gibson is to expect the unexpected.</p>
<img alt="gibson_grigorieva_3_wenn2394813.jpg" src="http://www.pasadenalawblog.com/gibson_grigorieva_3_wenn2394813.jpg" width="323" height="480" class="mt-image-right" style="float: right; margin: 0 0 20px 20px;" />
<p>__________________________________________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/has_mel_gibsons_ex-wife_come_t.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/has_mel_gibsons_ex-wife_come_t.html</guid>
         <category>Child Custody</category>
         <pubDate>Tue, 20 Jul 2010 21:53:50 -0800</pubDate>
      </item>
      
      <item>
         <title>Tiger Mum About Divorce at British Open</title>
         <description><![CDATA[<img alt="tiger-woods face paint.jpg" src="http://www.pasadenalawblog.com/tiger-woods%20face%20paint.jpg" width="400" height="296" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" />
<p>Aside from the millions of dollars and high-profile affairs, Tiger Woods isn't that different from people seeking <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a> advice in <a href="http://pasadenadivorce.com/">Pasadena</a>. He just wants to put the past behind him and get back to work. And that's exactly what he attempted to do at this week's British Open.</p>

<p>UK reporters expecting to get <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a> dish straight from the golfer's mouth were sorely disappointed Tuesday when Woods flatly refused to offer any insight into his split from Elin Nordegren. Members of the press at the British Open in St. Andrews, Scotland, were told simply "I'm not going into that." Swerving away from the topic, Woods spoke about his <a href="http://pasadenadivorce.com/Practice_Areas/Child_Custody.aspx">children</a>, 3-year-old Sam and 17-month-old Charlie. Usually mum when it comes to the children, Woods offered insight into what its like being a father today and described his recent break from Open training to return to the U.S. to spend time with his kids.</p>

<p>"That was an incredible experience to hang out with my <a href="http://pasadenadivorce.com/Practice_Areas/Child_Custody.aspx">kids</a>," the champion told reporters. "Normally I don't come over here, play two days and then go back home. But the reason I did is obviously for my kids, and we had a great time."</p>

<p>Warm and fuzzy talk stopped there as UK reporters went for the jugular. When grilled about his diva attitude and recent tantrums, Woods defensively promised a return to professional behavior saying he is "trying to become a better player and a better person, yes." After repeated attempts by reporters to get him to open up about his <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a>, Woods got testy and ended the talk by saying his main focus is his children. He did actually get to talk about golf for a few minutes, as well, revealing he's using a new putter that he hopes will change his poor results lately.</p>

<p>Last week, news of a possible $100-million-dollar <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a> deal hit the web, along with rumors of Elin's possible return to her homeland of Sweden.</p>

<p>_____________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/tiger_mum_about_divorce_at_bri.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/tiger_mum_about_divorce_at_bri.html</guid>
         <category></category>
         <pubDate>Thu, 15 Jul 2010 21:41:03 -0800</pubDate>
      </item>
      
      <item>
         <title>Will Divorce Divide the Dodgers?</title>
         <description><![CDATA[<img alt="dodgers.jpg" src="http://www.pasadenalawblog.com/dodgers.jpg" width="222" height="225" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p>One high-profile <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>case has peaked the interest of both Los Angeles sports fans and <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>attorneys in Pasadena. The outcome of the increasingly contentious divorce of Los Angeles Dodgers' owner Frank McCourt and estranged wife Jamie could change the face of a major league baseball team -- one that already seems to be in transition.</p>

<p>McCourt Broderick Limited Partnership purchased the Dodgers in 2004 from the News Corporation for an estimated $430 million dollars. Since then, Jamie served as the team's chief executive until last season, when she was fired. Now legal experts and baseball bloggers alike are wondering if Jamie will seek <a href="http://pasadenadivorce.com/Practice_Areas/Property_Settlement.aspx">part ownership</a> of the team as part of the <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a><a href="http://www.pasadenadivorce.com/Practice_Areas/Property_Settlement.aspx">settlement</a>. The deciding factor? According to sources, the fate of Jamie's involvement with the Dodgers relies on a single document, which states that if the couple <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorces</a>, Frank gets the Dodgers while Jamie lays claim to the couple's <a href="http://pasadenadivorce.com/Practice_Areas/Property_Settlement.aspx">multiple homes</a>.</p>

<p>Still, lawyers for Mrs. McCourt argue that she spent decades trying to help build her husband's many businesses, including the Dodgers, and that this document diminishes her role as a business partner. Jamie was dealt another blow when Frank flatly declined to pay alimony until ordered by a judge to do so. Mrs. McCourt told <em>The New York Times</em> that despite the sexist undertones of the baseball business, she intends to be co-owner of the Dodgers and to resume her role as chief executive for the team. Frank McCourt and his legal team, naturally, have other ideas. McCourt's people say the document signed years ago is iron clad and it certifies Mr. McCourt as sole owner of the Dodgers.</p>

<p>Family lawyers say the case is difficult as it blurs the line of business and family. The usual "everybody gets half" protocol in California is obscured by the allegation that Mrs. McCourt may or may not be entitled to half of the Los Angeles Dodgers. The case is set to go in front of a judge some time next month.</p>

<p>____________________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/will_divorce_divide_the_dodger.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/will_divorce_divide_the_dodger.html</guid>
         <category></category>
         <pubDate>Wed, 14 Jul 2010 21:41:05 -0800</pubDate>
      </item>
      
      <item>
         <title>The Robert F. Kennedy Jr. Divorce and Drunk Driving Debacle</title>
         <description><![CDATA[<img alt="Robert Kennedy.jpg" src="http://www.pasadenalawblog.com/Robert%20Kennedy.jpg" width="270" height="213" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p>Readers searching for <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>advice in Pasadena also are likely to be searching for help with other legal issues, just like the family of Robert F. Kennedy Jr. According to new information released this week, just three days before his wife, Mary Kennedy, was arrested for drunk driving, Robert F. Kennedy Jr. filed for <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a>. The son of slain presidential candidate Robert F. Kennedy filed divorce papers May 12 in the Westchester County Clerk's Office.</p>

<p>Mary Kennedy herself called 911 two days before the papers were filed. Responding officers stated that Mary Kennedy was "visibly intoxicated" and had "great difficulty collecting her thoughts and articulating her reasons for calling." She reportedly told officers that her husband was verbally and physically abusive to her and their children. The recent visit from police was one of several over the past few years, and they were summoned yet again to the home on May 13 where they filed a <a href="http://www.pasadenadivorce.com/Practice_Areas/Domestic_Violence.aspx">domestic </a>incident report.</p>

<p>Two days later, Mary was arrested for slamming into a curb near St. Patrick's School on Greenwich road not far from the family's home. Police reported that she had a .11 blood alcohol level, three points above the legal .08. She was arrested and charged with driving while intoxicated. Mary Kennedy has been ordered to undergo evaluation for alcohol abuse and is due in court on July 22.</p>

<p>Details of the potential <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>settlement and the filing grounds have thus far been kept from the press. New York State currently does not have no-fault <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>law, but will when a new law goes into effect in September.</p>

<p>The couple has four children. This will be Robert F. Kennedy Jr.'s second <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a>. He previously was married to Emily Ruth Black, whom he divorced in 1994 only a month before he married his current wife. Kennedy is a respected environmentalist at Pace University School of Law in White Plains, New York.</p>

<p>_________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/the_robert_f_kennedy_jr_divorc.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/the_robert_f_kennedy_jr_divorc.html</guid>
         <category></category>
         <pubDate>Tue, 13 Jul 2010 22:00:21 -0800</pubDate>
      </item>
      
      <item>
         <title>Melissa Etheridge&apos;s Ex Shocked By Divorce</title>
         <description><![CDATA[<img alt="ethridge.jpg" src="http://www.pasadenalawblog.com/ethridge.jpg" width="254" height="191" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p>Throughout singer Melissa Etheridge's very public battle with cancer in 2004, actress and wife Tammy Lynn Michaels was seen as a pillar of support during an extremely difficult time. In fact, the pair, married in Malibu, Calif., in 2003, seemed built to last -- overcoming not only cancer but career highs and lows as well as the busy personal life of raising twin daughters. This makes their recent split all the more surprising. According to her blog, Tammy Lynn Michaels herself was shocked by the <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce</a>. Here's one woman who will undoubtedly be seeking <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>advice in Pasadena.</p>

<p>Tammy expressed in her blog last week that she was taken aback when she was served with <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>papers from lawyers for the 49-year-old singer and songwriter. Etheridge, according to Michaels, promised that the couple would not file for <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorce </a>until she returned from a nationwide tour that commences this fall. In her prose-like blog, Michaels writes, "Gentle waves/no noise for awhile/or maybe gentle voice/and SMACK!!! FILE FOR <a href="http://www.pasadenadivorce.com/Practice_Areas/Divorce.aspx">DIVORCE</a>!!/even though we both promised, agreed, handshook, pinkyswore/until after tour ends/in the fall." The actress, who starred in shows like <em>Popular</em> and <em>The L Word,</em> goes on to say that this is but one of many "broken promises" made by Etheridge.</p>

<p>Making matters worse, when Etheridge filed to dissolve the couple's domestic partnership last week, she requested that Michaels be given no financial support. Michaels claims she turned away work to be a full-time mother to the couple's twins as well as Etheridge's children from an earlier relationship with Julie Cypher, and that since the break-up she has been struggling financially. She goes on to describe borrowing money to help feed her children and put gas in her car. She elaborates, saying the whole ordeal has given her a "stomach full of ulcers." The usually-outspoken Etheridge, on the other hand,  has remained silent since the separation.</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/melissa_etheridges_ex_shocked.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/melissa_etheridges_ex_shocked.html</guid>
         <category></category>
         <pubDate>Sun, 11 Jul 2010 22:52:55 -0800</pubDate>
      </item>
      
      <item>
         <title>Reinventing Relationships</title>
         <description><![CDATA[<span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif; font-size: 11px;"><p align="justify"><strong><font color="#000080" face="Arial" size="4"><img alt="face off.jpg" src="http://www.pasadenalawblog.com/face%20off.jpg" class="mt-image-center" style="text-align: center; display: block; margin: 0pt auto 20px;" width="255" height="172" /></font></strong></p><p align="justify"><meta http-equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 12"><meta name="Originator" content="Microsoft Word 12"><link rel="File-List" href="file:///C:%5CUsers%5Cjustine%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml"><link rel="themeData" href="file:///C:%5CUsers%5Cjustine%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx"><link rel="colorSchemeMapping" href="file:///C:%5CUsers%5Cjustine%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml"><!--[if gte mso 9]><xml>
 <w:WordDocument>
  <w:View>Normal</w:View>
  <w:Zoom>0</w:Zoom>
  <w:TrackMoves/>
  <w:TrackFormatting/>
  <w:PunctuationKerning/>
  <w:ValidateAgainstSchemas/>
  <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
  <w:IgnoreMixedContent>false</w:IgnoreMixedContent>
  <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
  <w:DoNotPromoteQF/>
  <w:LidThemeOther>EN-US</w:LidThemeOther>
  <w:LidThemeAsian>X-NONE</w:LidThemeAsian>
  <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
  <w:Compatibility>
   <w:BreakWrappedTables/>
   <w:SnapToGridInCell/>
   <w:WrapTextWithPunct/>
   <w:UseAsianBreakRules/>
   <w:DontGrowAutofit/>
   <w:SplitPgBreakAndParaMark/>
   <w:DontVertAlignCellWithSp/>
   <w:DontBreakConstrainedForcedTables/>
   <w:DontVertAlignInTxbx/>
   <w:Word11KerningPairs/>
   <w:CachedColBalance/>
  </w:Compatibility>
  <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel>
  <m:mathPr>
   <m:mathFont m:val="Cambria Math"/>
   <m:brkBin m:val="before"/>
   <m:brkBinSub m:val="&#45;-"/>
   <m:smallFrac m:val="off"/>
   <m:dispDef/>
   <m:lMargin m:val="0"/>
   <m:rMargin m:val="0"/>
   <m:defJc m:val="centerGroup"/>
   <m:wrapIndent m:val="1440"/>
   <m:intLim m:val="subSup"/>
   <m:naryLim m:val="undOvr"/>
  </m:mathPr></w:WordDocument>
</xml><![endif]--><!--[if gte mso 9]><xml>
 <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
  DefSemiHidden="true" DefQFormat="false" DefPriority="99"
  LatentStyleCount="267">
  <w:LsdException Locked="false" Priority="0" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Normal"/>
  <w:LsdException Locked="false" Priority="9" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="heading 1"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 2"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/>
  <w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 1"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 2"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 3"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 4"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 5"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 6"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 7"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 8"/>
  <w:LsdException Locked="false" Priority="39" Name="toc 9"/>
  <w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/>
  <w:LsdException Locked="false" Priority="10" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Title"/>
  <w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/>
  <w:LsdException Locked="false" Priority="11" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/>
  <w:LsdException Locked="false" Priority="22" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Strong"/>
  <w:LsdException Locked="false" Priority="20" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/>
  <w:LsdException Locked="false" Priority="59" SemiHidden="false"
   UnhideWhenUsed="false" Name="Table Grid"/>
  <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/>
  <w:LsdException Locked="false" Priority="1" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 1"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 1"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 1"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/>
  <w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/>
  <w:LsdException Locked="false" Priority="34" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/>
  <w:LsdException Locked="false" Priority="29" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Quote"/>
  <w:LsdException Locked="false" Priority="30" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 1"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 1"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 2"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 2"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 2"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 2"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 2"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 3"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 3"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 3"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 3"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 3"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 4"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 4"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 4"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 4"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 4"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 5"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 5"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 5"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 5"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 5"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
  <w:LsdException Locked="false" Priority="60" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Shading Accent 6"/>
  <w:LsdException Locked="false" Priority="61" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light List Accent 6"/>
  <w:LsdException Locked="false" Priority="62" SemiHidden="false"
   UnhideWhenUsed="false" Name="Light Grid Accent 6"/>
  <w:LsdException Locked="false" Priority="63" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/>
  <w:LsdException Locked="false" Priority="64" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/>
  <w:LsdException Locked="false" Priority="65" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
  <w:LsdException Locked="false" Priority="66" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/>
  <w:LsdException Locked="false" Priority="67" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/>
  <w:LsdException Locked="false" Priority="68" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/>
  <w:LsdException Locked="false" Priority="69" SemiHidden="false"
   UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/>
  <w:LsdException Locked="false" Priority="70" SemiHidden="false"
   UnhideWhenUsed="false" Name="Dark List Accent 6"/>
  <w:LsdException Locked="false" Priority="71" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/>
  <w:LsdException Locked="false" Priority="72" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful List Accent 6"/>
  <w:LsdException Locked="false" Priority="73" SemiHidden="false"
   UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/>
  <w:LsdException Locked="false" Priority="19" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/>
  <w:LsdException Locked="false" Priority="21" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>
  <w:LsdException Locked="false" Priority="31" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>
  <w:LsdException Locked="false" Priority="32" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>
  <w:LsdException Locked="false" Priority="33" SemiHidden="false"
   UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>
  <w:LsdException Locked="false" Priority="37" Name="Bibliography"/>
  <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>
 </w:LatentStyles>
</xml><![endif]--><style>
<!--
 /* Font Definitions */
 @font-face
	{font-family:"Cambria Math";
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:0;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1610611985 1107304683 0 0 415 0;}
@font-face
	{font-family:Calibri;
	panose-1:2 15 5 2 2 2 4 3 2 4;
	mso-font-charset:0;
	mso-generic-font-family:swiss;
	mso-font-pitch:variable;
	mso-font-signature:-520092929 1073786111 9 0 415 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:"";
	margin-top:0in;
	margin-right:0in;
	margin-bottom:10.0pt;
	margin-left:0in;
	line-height:115%;
	mso-pagination:widow-orphan;
	font-size:11.0pt;
	font-family:"Calibri","sans-serif";
	mso-ascii-font-family:Calibri;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:Calibri;
	mso-fareast-theme-font:minor-latin;
	mso-hansi-font-family:Calibri;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:"Times New Roman";
	mso-bidi-theme-font:minor-bidi;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-ascii-font-family:Calibri;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:Calibri;
	mso-fareast-theme-font:minor-latin;
	mso-hansi-font-family:Calibri;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:"Times New Roman";
	mso-bidi-theme-font:minor-bidi;}
.MsoPapDefault
	{mso-style-type:export-only;
	margin-bottom:10.0pt;
	line-height:115%;}
@page WordSection1
	{size:8.5in 11.0in;
	margin:1.0in 1.0in 1.0in 1.0in;
	mso-header-margin:.5in;
	mso-footer-margin:.5in;
	mso-paper-source:0;}
div.WordSection1
	{page:WordSection1;}
-->
</style><!--[if gte mso 10]>
<style>
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:"Table Normal";
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:"";
	mso-padding-alt:0in 5.4pt 0in 5.4pt;
	mso-para-margin-top:0in;
	mso-para-margin-right:0in;
	mso-para-margin-bottom:10.0pt;
	mso-para-margin-left:0in;
	line-height:115%;
	mso-pagination:widow-orphan;
	font-size:11.0pt;
	font-family:"Calibri","sans-serif";
	mso-ascii-font-family:Calibri;
	mso-ascii-theme-font:minor-latin;
	mso-hansi-font-family:Calibri;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:"Times New Roman";
	mso-bidi-theme-font:minor-bidi;}
</style>
<![endif]-->

</p><p class="MsoNormal"><strong><span style="font-size: 13.5pt; line-height: 115%; font-family: &quot;Arial&quot;,&quot;sans-serif&quot;;">Reinventing&nbsp;Relationships</span></strong><span style="font-size: 8.5pt; line-height: 115%;"><o:p></o:p></span></p>

<p class="MsoNormal"><br />
<strong><span style="font-size: 10pt; line-height: 115%; font-family: &quot;Arial&quot;,&quot;sans-serif&quot;;">Your
marital relationship is over, but what about your relationship with your
in-laws, their relationship with your children, or even your relationship with
your ex-spouse's new Significant Other? What is healthy and appropriate? Since
no one has written the new rules and codes of social conduct for relationships
engendered by divorce, we asked some experts to share their insights with
us.&nbsp;</span></strong><span style="font-size: 8.5pt; line-height: 115%;"><o:p></o:p></span></p>

<p align="justify"><strong><font color="#d76b00" face="Arial" size="2"><br /></font></strong><font face="Arial" size="2"><font color="#000000">By Justine Purcell</font><br /><br />Everyone knows at least one divorce horror story, but we seldom hear about people who have established friendly post-divorce associations with each other. "Did you hear that Hugh and Liz are getting along well these days?" just isn't news. Armed with their version of divorce hell, the skeptics tell us it's impossible for a divorced couple to make peace and become friends. They outtalk the quiet and peaceful believers -- perhaps because people who are doing just fine don't feel the need to vent. "If every divorce were a 'War of the Roses', there would be blood on the streets!" points out Barbara Quick, author of&nbsp;<em>Still Friends: Living Happily Ever After...Even if your Marriage Falls Apart</em>&nbsp;.</font></p><p align="justify"><font face="Arial" size="2">Luckily, it's never too late to make peace. With determination and good intentions, you can overcome the anger, grief, and sadness of losing a marriage and eventually -- believe it or not -- achieve friendship. Whether or not you want to be "friends" with your ex is a decision in itself, but if you have children together, finding a way to be amicable with your co-parent makes life a lot easier. Your former in-laws don't have to disappear with the marriage either, especially if you've always enjoyed a good relationship with them. Unfortunately there's no rule book for cultivating civility with your ex-spouse, your former in-laws, or even your ex's new spouse -- so we asked several experts -- including people who have managed to create&nbsp;<a href="http://www.divorcemag.com/articles/Divorce_Recovery/">friendly post-divorce relationships</a>&nbsp;-- for some guidance. Here's what they had to say.</font></p><strong><font color="#3333ff"><p align="justify"><font color="#d76b00" face="Arial" size="2">Ex-spouse, New Friend?</font></p></font></strong><p align="justify"><font face="Arial" size="2">When the&nbsp;<a href="http://www.divorcemag.com/articles/Separation_Divorce_Process/">divorce process</a>&nbsp;has pitted you and your spouse against each other, training you to view each other as enemies, any form of future alliance can seem impossible. But if you have children, your ex-spouse is still your co-parent. "It's difficult for separated partners to remain productive co-parents when the legal process is making them enemies," says Lillian Messinger, a Toronto marriage counselor who specializes in post-divorce relationships. It takes a lot of maturity to make amends with the person who has torn apart your life, or who has been a monster in court. But just as it takes two to determine the marriage dynamic, it takes two to make a good -- or bad -- divorce. Quick emphasizes that "every couple has their own relationship dance. All you have to do is change your part in the dance." If you change your behavior, your relationship will change, too. &nbsp;</font></p><table align="right" border="0" cellpadding="5" cellspacing="5" width="250"><tbody><tr><td><table bgcolor="#fffeea" border="0" cellpadding="3" cellspacing="3" width="100%"><tbody><tr><td colspan="2"><font face="Arial" size="2"><strong><b>More information on relationships after divorce:</b></strong></font></td></tr><tr><td valign="top"><img alt="pic-couple.jpg (15063 bytes)" src="http://www.divorcemag.com/images/Image/pic-couple.jpg" width="98" height="115" /></td><td valign="top"><font face="Arial" size="1"><a href="http://www.divorcemag.com/articles/Relationships/date.html">It's a date. Getting ready to re-enter the dating scene?</a><br /><br /><a href="http://www.divorcemag.com/articles/Relationships/nomoresecrets.html">Reconcilable Differences: No More Secrets</a><br /><br /><a href="http://www.divorcemag.com/articles/Relationships/vengenance.html">Vengeance and Retribution</a></font></td></tr></tbody></table></td></tr></tbody></table><p align="justify"><font face="Arial" size="2">Mark and Sara<em>&nbsp;(not their real names)</em>&nbsp;were married for 12 years, and have now been divorced for three. "The first couple years of our marriage was pretty good, but it went downhill rapidly," says Sara. "For the last six years, we communicated in snarls, or through our son, Peter. A friend encouraged us to try mediation, and during the process we started to really talk for the first time in years. The mediator encouraged us to remember what we used to like about each other as we established our co-parenting relationship, and how to listen and 'mine for the gold' in what we said to each other." Both Sara and Mark report that their relationship is better post-divorce than it ever was when they were married. "We are much better as friends than as a couple," says Mark. "Some of the things that really bug you in a spouse just don't matter in a friend. For Peter's sake, we were committed to working on our co-parenting relationship, and the happy side-effect is that we really like each other these days -- which wasn't the case during our marriage." &nbsp;</font></p><p align="justify"><font face="Arial" size="2">However well or poorly you knew your former spouse, this will be an exercise in re-acquaintance. Forming a relationship with your ex is entirely separate from the process of ending a marriage; if you work through the process to achieve your "<a href="http://www.divorcemag.com/articles/Health_Well_Being/">emotional divorce</a>," you can cultivate something entirely new. Your old relationship is over; take the steps to heal so that you can invest your energy elsewhere. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">Grieving the death of a marriage is like mourning any other loss: it hurts a lot, and you get through it minute by minute. The trick is to stay on the path to recovery, not stopping at the first challenge. In her research for Still Friends, Quick found that a pattern emerged among those who had successfully recovered from divorce. The process that begins with anger and grieving eventually leads to healing, forgiveness, and insight. "Acknowledge the stage you're at, and allow yourself to feel what you're feeling. Most people get stuck in anger and grieving," says Quick, adding that "Everyone has a unique healing process. Some people go through it on their hands and knees, spending months at every stage, others go through it at high speed." &nbsp;</font></p><p align="justify"><font face="Arial" size="2">Healing and moving on can take years, but communication with your ex may have to continue both during and after your divorce. If you have children, you will have to discuss the details of their lives. Whether weekly or monthly, these chats are going to develop a personality. They might be draining, dreadful, stressful, infuriating, and frustrating -- or they could be just fine. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">Rick Tivers, the co-director of the Center for Divorce Recovery in Chicago, advises his clients to create a vision of how the new family will work. "The boundaries have changed, but the parents must still work together in the best interests of their children," says Tivers. "Effective parenting often involves putting yourself second." Developing a conscious relationship with your ex demands the triumph of logic over emotion -- which is practically the opposite of falling in love. In the early stages of divorce, you must not act on your feelings. "You can honor your feelings without acting them out," Tivers points out. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">You are no longer in a position to seek answers or resolution from your former spouse. Instead, cultivate the habit of self-examination. Before you act, ask yourself: "Will what I'm about to say or do further my goal of creating a healthy relationship?" If the answer is no, don't do it. Period. New York therapist Debra Burrell -- who was chosen and trained by Dr. John Gray of the Mars/Venus books to lead workshops and offer counseling -- says that residual negative emotions are very often related to lack of closure. You may want nothing more than a final thank-you or some acknowledgment of the good in your marriage, but discovering the source of your wound is the first step in healing it on your own. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">What are the options for you and your ex? Really, the whole spectrum -- from bitter enemies to good friends. The relationship you choose will affect your children, friends, and family, so make a conscious decision about where you want to end up. Where there is a history of emotional or physical abuse, no contact is probably the best decision for your family's recovery. Regardless of how much contact there is between you, your goal is to leave bitterness and anger behind. As enemies, you continue to damage yourselves and your children as well as each other. The general rules of polite conduct apply to all post-divorce parents, regardless of the degree of friendship or animosity.</font></p><p align="justify"><font color="#d76b00" face="Arial" size="2"><strong>Friend-<i>ly</i>, okay, but friends?</strong></font></p><p align="justify"><font face="Arial" size="2">Opinions vary on the viability of post-marriage friendship. Tivers believes that as long as the relationship is based on honor and respect, you can't go wrong. Many divorcing couples don't have friendship in mind after dividing the assets, but there are exceptions. Sometimes friendships between former spouses spring naturally from the freedom of being out of the marital bond. Some couples even maintain a physical relationship, continuing to sleep with each other after they split up. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">Dr. Constance Ahrons, author of&nbsp;<em>The Good Divorce</em>&nbsp;, notes that some couples don't even begin their marriage as friends, and therefore have no friendship to return to. "Sometimes friendships develop over time," Ahrons says, "but it's not the goal of the post-divorce relationship. How would you act toward a colleague you don't see very often?" You can be friendly and courteous without actually being friends. &nbsp;</font></p><p align="justify"><font face="Arial" size="2">If there's one unwavering constant about divorce arrangements, it's that children of divorce always suffer from animosity. Even if friendship isn't in the cards, avoid turning your child into the go-between, the peacekeeper, or from having to take sides with you or your ex.</font></p><p align="justify"><font color="#d76b00" face="Arial" size="2"><strong>Tips for Making Peace with your Ex</strong></font></p><ul><li><div align="justify"><font face="Arial" size="2"><strong>Never express negative sentiments about your ex in front of your children:</strong>&nbsp;venting and name-calling is damaging to their identity. Even if there's no contact between the two of you, speak positively or not at all. Your children will eventually form their own opinions.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Give up blame.</strong>&nbsp;In order to communicate effectively with your co-parent, you must take full responsibility for how you feel and how you act. "Don't blame each other, and don't talk about what you should have done," says Marcella Sabo, author of&nbsp;<em>Whose Kid is it Anyway?</em>&nbsp;and a licensed psychotherapist practicing in New York and New Jersey. Blaming your ex -- whether you voice your opinion or keep it to yourself -- will only hold you back; verbal blaming does damage to you, your ex, and everyone else who is privy to your outburst. Walk away from screaming matches.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Go at the pace of the person most hurt.</strong>&nbsp;Generally, the person who was "left" is in a more vulnerable state. A person who is still very hurt and angry will probably not take kindly to friendly overtures. If you or your ex is still grieving, wait: rushing anything can be detrimental to the healing process.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Be polite.</strong>&nbsp;Minding your P's and Q's is never out of line. The rules of polite conduct were invented to make awkward situations manageable. There are other outlets for personal conversations; this is business -- particularly in the first year.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Be tolerant.</strong>&nbsp;The things that bothered you about your ex shouldn't be as grating now that you no longer live together. Their bad habits and little annoyances will be largely irrelevant to your life. "Hot buttons just won't bother you anymore," says Quick. "When the other person stops having power over your life, tolerance just flows naturally."</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Don't ask your children to keep secrets from their other parent.</strong>&nbsp;Teaching your kids to keep secrets is teaching them to lie. Instead, learn to edit what you do and say so that your kids won't have to cover for you.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Take the high road.</strong>&nbsp;Choose what you know in your heart to be the most positive and productive behavior, no matter how challenging. This is taking the high road -- and you must consciously choose to take it again and again.</font></div></li><li><div align="justify"><font face="Arial" size="2"><strong>Respect your ex.</strong>&nbsp;Quick emphatically suggests creating "divorce vows" in which you promise to treat each other with respect, goodwill, compassion, and tolerance.</font></div></li></ul><p><font color="#d76b00" face="Arial" size="2"><strong>Old Spouse/New Spouse</strong></font></p><p align="justify"><font face="Arial" size="2">Forming a positive relationship with your ex-spouse's new love may be the last thing on your mind. But regardless of your desires, if there are children or a business involved, this person is now officially a part of your life. So what sort of relationship will it be? As with your ex, the main options are no contact, simple civility, or being friends. The optimal situation is one that forwards the best interests of your family, which may be uncomfortable for you at first. To promote tension-free interactions, be unfailingly polite. For both you and your children, a lot of good manners and a little good-will can make a world of difference.</font></p><p align="justify"><font face="Arial" size="2">Pangs of jealousy and primal urges for competition are natural, and powerful at times, but they cannot be a part of your relationship. One of you will be moving on before the other -- inevitably. "If the relationship stimulates old feelings," says Dr. Ahrons, "get support from friends for any unresolved grief. It will lessen over time.</font></p><p align="justify"><font face="Arial" size="2">" Good-will has a ripple effect, and so does ill-will -- both inspire responsive consequences. Burrell emphasizes that there is a beneficial element to forging a positive association with your ex: taking steps toward harmony today can spare you a lot of grief in the future. So work strategically for good results! The likelihood of emotional flare-ups resulting in greater cooperation is slim to none.</font></p><p align="justify"><font face="Arial" size="2">You'll need a set of ground rules and some common goals to make the relationship work. For instance, your common goal could be: "We want the children to grow up happy, self-confident, and well-adjusted." The ground rules could include: "We will not fight in front of the children. We will strive for consensus on all major issues -- health, education, religion, etc. -- and will support each other's right to have different household rules on minor issues -- such as bedtime, chores, etc." Of course, it would be easier if the rules were the same in both houses, but this is not necessary for a positive working relationship. Children can easily accommodate two sets of rules as long as they are clear and consistently enforced.</font></p><p align="justify"><font face="Arial" size="2">There are cases in which an ex-spouse and a new spouse become very good friends. This shouldn't be surprising: after all, you both chose to marry the same person, and you may find that you have a lot in common. When friendship develops between an old spouse and a new spouse, they might be tempted to discuss the person they have in common. Don't do it: trading stories about your ex with his/her new spouse is a very bad idea.</font></p><p align="justify"><font face="Arial" size="2">The idea of being friends with this individual may sound ludicrous to you, but if you and your ex share custody of your kids, it's in everyone's best interest for you to be at least congenial with his/her new love. This person will inevitably have some responsibility for raising your kids, and will tend to do a better job and be more cooperative if he/she likes you as well as your children.</font></p><p align="justify"><font face="Arial" size="2">The village approach to child-rearing focuses less on the relationship between caregivers and more on their common goal: everyone, including parents, step-parents, and extended family wants the children to be happy and healthy. These "friendly" situations work because they are based on honor and respect -- for each other and for common goals.</font></p><p align="justify"><font face="Arial" size="2">Even if you don't like your ex's new spouse, you can still do your best to be polite and likeable. A friendly, working relationship requires conscious cultivation, meaning that every conversation, every hello, every meeting to discuss an issue is executed with care. Marcella Sabo recommends being gracious to each other above all else. Even if you're having a disagreement, you can be courteous while remaining firm about your absolute bottom line.</font></p><p align="justify"><font face="Arial" size="2">Observing the Golden Rule -- "Do unto others as you would have others do unto you" -- is a good place to start. Also, remember that people like to be thanked for their efforts and to be asked politely for favors. "I make it a practice to personally thank my ex's new wife whenever she does something nice," says Eva, a divorced mother of two preteens. "Sometimes I call, and sometimes I send a card. Because Mary feels acknowledged, she's more willing to listen to my point of view and accommodate my requests." For instance, Eva recently had an emergency at work that required her to stay at the office until after midnight. "My ex was out of town on business, so I asked Mary if she could pick up the kids after school and keep them overnight," says Eva. "I think she agreed because I have cultivated a good relationship with her -- partly by letting her know how much I appreciate her efforts."</font></p><p align="justify"><font color="#d76b00" face="Arial" size="2"><strong>Former In-Laws</strong></font></p><p align="justify"><font face="Arial" size="2">If the relationship was positive before, it can be positive after divorce. Despite the abundance of in-law horror stories, there are many examples of people "keeping" their former in-laws by choice. "When we go to Montreal to visit our son Alan, his new wife Sara, and our grandchildren, we always make a point of getting together with Alan's ex-wife, Francine," says Beth. "She's like a daughter to us, and although I love Sara dearly, I don't want to give up my relationship with Francine just because of the divorce." Francine and Alan are the cooperative co-parents of two daughters, and they both understand that their children can only benefit from Francine's friendly association with Alan's parents.</font></p><p align="justify"><font face="Arial" size="2">The end of a marriage need not mean the end of all communication and friendship with them. If communication is too hard for you right now, it's fine to take some time before resuming the contact. But don't throw the baby out with the bath water: every connection you maintain provides a wider web of security and love for your children -- and you can use all friends you can gather at this time. Grandparents or aunts and uncles can also be a safe haven for children during the storm of divorce, so allow them that valuable resource when they need it most.</font></p><p align="justify"><font face="Arial" size="2">Since these people are your ex's family, be respectful about his or her feelings about the relationship. If your best friend or confidante is also your former in-law, avoid sensitive subjects pertaining to your ex or the divorce. Setting boundaries for yourself, by knowing what you will and won't discuss, can help to alleviate any tension.</font></p><p align="justify"><font color="#d76b00" face="Arial" size="2"><strong>Don't rush in</strong></font></p><p align="justify"><font face="Arial" size="2">After the initial fallout, a lot needs to be put back together; sometimes you need to put yourself back together before reconnecting with your ex or your in-laws. You may feel broken right now, but the path to wholeness exists if you want to take it. Follow it, and you'll eventually learn how to keep the good in your life, be it a great sister-in-law or just some positive memories about your ex.</font></p><p align="justify"><font face="Arial" size="2">Be aware that this process can be very uncomfortable and confronting at times, and it will require a strong commitment to your goals -- whether that be making friends or just making peace with your ex. Personal growth is always uncomfortable, and sometimes downright painful, so don't assume that your discomfort is a sign that something's wrong.</font></p><p align="justify"><font face="Arial" size="2">The road to recovery starts with forgiveness. Forgive your ex, and yourself, for the parts you played in contributing to the end of the relationship (especially if your ex left you, you need to identify and "own" your part in the breakup), and give up blame and hatred. Hate can be just as binding as love -- even more so sometimes -- and if you want to be free to move on with your life, you cannot remain bound to the past. So forgive, and begin creating a new life with relationships that will nourish and excite you.</font></p><hr><p align="left"><font face="Arial" size="2">For more articles on relationships, visit&nbsp;<a href="http://www.divorcemag.com/articles/Relationships/">http://www.divorcemag.com/articles/Relationships</a></font></p></span>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/reinventing_relationships.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/reinventing_relationships.html</guid>
         <category></category>
         <pubDate>Thu, 08 Jul 2010 14:02:13 -0800</pubDate>
      </item>
      
      <item>
         <title>Successful Stepfamilies</title>
         <description><![CDATA[<span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font color="#d76b00" size="4" face="Arial"><b><div><span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font color="#d76b00" size="4" face="Arial"><b><img alt="happy family.jpg" src="http://www.pasadenalawblog.com/happy%20family.jpg" width="172" height="216" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></b></font></span></div>Successful Sepfamilies</b></font></span><div><span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font color="#d76b00" size="4" face="Arial"><b><br /></b></font></span><span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font color="#ff8000" size="2" face="Arial"><strong>How to create a happy, functional stepfamily.</strong></font></span></div><div><span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font class="Apple-style-span" color="#FF8000" face="Arial"><span class="Apple-style-span" style="font-size: small;"><b><br /></b></span></font><font size="2" face="Arial">By Jeffrey Cottrill</font></span></div><div><span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 4px; -webkit-border-vertical-spacing: 4px; "><font size="2" face="Arial"></font><p align="justify" style="text-align: auto;"><font size="2" face="Arial"><br /></font></p><p align="justify" style="text-align: auto;"><font size="2" face="Arial">Perhaps you're getting married to someone with children from a previous relationship, or else you have children and are getting remarried. Are you (or your new partner) ready for an&nbsp;<a href="http://www.divorcemag.com/articles/Parenting_and_Step-Families/">instant stepfamily</a>? To make it work, you need to let go of any preconceived notions you may have about the situation -- and make room for adjustment and compromise.</font></p><p align="justify"><font size="2" face="Arial">It's not uncommon for at least one of the spouses to have children from a previous marriage, and this can create awkwardness and even upset. Children are often the most affected by a divorce. It's traumatic enough to see their parents break up, but how do they feel about you (or your new partner) suddenly appearing in their lives as a "replacement"?</font></p><p align="justify"><font size="2" face="Arial">If you're marrying somebody with kids, it's vital that you understand that the children are a major factor in his or her life -- which makes them one in yours, too. Similarly, if you're a parent marrying a non-parent, keep in mind that your partner is jumping straight from having no children to being a stepmom or stepdad -- an awkward transition at best. And if&nbsp;<i>both</i>&nbsp;of you are parents, you need to find a way to "blend" your respective families.</font></p><p align="justify"><font size="2" face="Arial">"The first couple of years are usually chaotic, because the family is reassigning everyone to new roles," says Margorie Engel, MBA, Ph.D., the president of the Stepfamily Association of America. "Everybody's jockeying for position in a new family. The order changes: the baby may no longer be the baby, or the eldest child may no longer be so. Everybody has to figure out where he/she fits." The challenge of a stepfamily is to make order out of chaos: all family members need to learn their respective roles, and to work/play together as a team, if not a family.</font></p><p align="justify"><font color="#ff8000" size="2" face="Arial"><b>Are you ready?</b></font></p><p align="justify"><font size="2" face="Arial"><a href="http://www.divorcemag.com/articles/Parenting_and_Step-Families/">Creating a stepfamily</a>&nbsp;is a huge decision -- much bigger than getting married without dependent kids from earlier relationships -- because of the obvious baggage. It's not enough just to love somebody. You have to make sure your love is strong enough to share your partner's family life -- and even if you're sure, you can't just jump into it without preparation.</font></p><table border="0" cellspacing="5" cellpadding="5" width="250" align="right"><tbody><tr><td><table border="0" cellspacing="3" cellpadding="3" width="100%" bgcolor="#fffeea"><tbody><tr><td colspan="2"><font size="2" face="Arial"><strong><b>More information on children and divorce:</b></strong></font></td></tr><tr><td valign="top"><img alt="children and divorce" src="http://www.divorcemag.com/images/Image/pic-parenting1.jpg" width="98" height="115" /></td><td valign="top"><font size="1" face="Arial"><a href="http://www.divorcemag.com/articles/Children_and_Divorce/helping-children-cope.html">Helping children cope with divorce</a><br /><br /><a href="http://www.divorcemag.com/articles/Children_and_Divorce/a_friendly_resolving_child_access.html">A family-friendly approach to resolving child access</a><br /><br /><a href="http://www.divorcemag.com/articles/Children_and_Divorce/how-do-i-tell-the-kids.html">How Do I Tell the Kids about the Divorce?</a></font></td></tr></tbody></table></td></tr></tbody></table><p align="justify"><font size="2" face="Arial">Dr. Peter Marshall -- a child psychologist practicing in Barrie, ON and the author of&nbsp;<i>Cinderella Revisited: How to Survive your Stepfamily without a Fairy Godmother</i>&nbsp; -- points out that the relationship with potential stepchildren will be a vital factor in whether your marriage will last. "If you don't want to get involved in parenting, or your partner doesn't, it won't work," he says. "If you want to live with a person, you need to think about whether you want to take responsibility for his or her children. It's very stressful: life gets extremely complicated, and it's not just temporary. Some people are just not ready for it."</font></p><p align="justify"><font size="2" face="Arial">Jeannette Lofas, Ph.D., CSW, the president and founder of The Stepfamily Foundation, stresses the necessity of careful consideration. "Keep in mind that two out of three remarriages fail," she says. "Would you take the children on a plane to San Francisco if there was only a 1/3 chance that the plane would work? Prepare very carefully. Marriage takes a lot of work to survive nowadays; stepfamilies take even more." Dr. Lofas suggests premarital counseling to make sure you and your partner really know what you're getting into; a counselor will help you to work out a family plan, or at least to start creating a plan. "Learn how a stepfamily functions," she advises. "The couple has to work out a system for agreement; otherwise there'll be a lot of conflict. Make sure that you agree on the plan, and that the agreement is clear to everybody."</font></p><p align="justify"><font size="2" face="Arial">Lillian Messinger, the author of&nbsp;<i>Remarriage: A Family Affair</i>&nbsp;and a pioneer in family counseling in Toronto, has seen problems arise with couples who hadn't taken the children from their previous relationships into consideration&nbsp;<i>before</i>&nbsp;they married. "Too frequently, a remarrying couple hasn't stopped to consider that it's not a honeymoon period -- it's a new type of family," she explains. She suggests that having children and stepparents get to know each other early on, on a gradual basis, will help ease tensions. "The new relationship has to involve the children as it develops -- they should be part of the courtship, and if the kids have any problems, they shouldn't keep them secret. An advance relationship before the marriage is extremely important."</font></p><p align="justify"><font size="2" face="Arial">Dr. Engel adds that doing homework on your own might be necessary. "You should look at your own knowledge base for relationships with children," she advises. "Read a good child-development book in order to understand how children develop. Talk to other people in stepfamilies as well." Learning about stepfamilies second-hand is no substitute for experience, but it will help you find your way. "Parenting is a hard job. There's lots of chaos and you're bound to become the 'bad guy' sometimes."</font></p><p align="justify"><font size="2" face="Arial">Above all, don't expect it to be easy, or that you and your partner's children will love each other immediately. (Sometimes, in fact, love&nbsp;<i>never</i>&nbsp;arises between stepparents and children -- but mutual respect and liking will take you a long way.) The more prepared you and your partner are, the better you'll be at withstanding the bumps along the way.</font></p><p align="justify"><font color="#ff8000" size="2" face="Arial"><b>An instant family</b></font></p><p align="justify"><font size="2" face="Arial">The most frequent mistake that people make when marrying into stepfamilies is believing that they're like "normal" or nuclear families. Although stepfamilies have become much more common and accepted in recent years, people still fall into the trap of expecting them to run on automatic.</font></p><p align="justify"><font size="2" face="Arial">"Most people think that love will instantly appear," notes Dr. Lofas. "They think that a stepfamily will function like a biological family, and they say, 'I'm going to be the new father/mother.' But the kids don't&nbsp;<i>want</i>&nbsp;somebody new; they already&nbsp;<i>have</i>&nbsp;a mother or father. So stepparents need to know what their new roles entail. It's important to know the dynamics absolutely: the parent always feels conflicted in love between the new spouse and the children, and you have to work out how to manage that."</font></p><p align="justify"><font size="2" face="Arial">Dr. Engel also debunks the notion that a stepfamily is like a first family. "A stepparent is a support system for the parent," she explains. "Some new stepparents mistake their roles: maybe the woman wants to be the rescuing fairy godmother, or the man wants to make the kids shape up their behavior. But that's not your role -- you're just an assistant. Nevertheless, you're deputized. The other extreme are the stepparents who do nothing because they think they're not in charge. But you have to be the responsible adult when the biological parent isn't there."</font></p><p align="justify"><font size="2" face="Arial">Dr. Marshall, who himself lives happily in a stepfamily, believes that the key to surviving the situation is to be realistic. "You have to get rid of any preconceived notions about what a family&nbsp;<i>ought</i>&nbsp;to be," he explains. "Instead, say, 'what kind of family are we&nbsp;<i>going</i>&nbsp;to be?' You must be very flexible and willing to adapt. You never know how close a relationship might become -- you and the stepchildren might just stay polite strangers, for all you know. Don't try to force things into a particular mold. Lots of people live in families in which they don't necessarily 'love' each other, but they make it work."</font></p><p align="justify"><font size="2" face="Arial">This doesn't mean your stepchildren won't eventually grow to love you, or that your children won't learn to love your new spouse. But remember that a stepfamily is composed of two different families from separate backgrounds. "A frequent problem is when people want the stepfamily to blend straight away," observes Dr. Marshall. "You have to respect the old family, because the relationships between the natural parent and his or her children are very close. They need time to be the old family as well as the new."</font></p><p align="justify"><font size="2" face="Arial">And Messinger points out, "Often, the partners are at different stages of their lives, and have different attitudes towards child-rearing. Too many couples believe in the myth of the 'instant family,' or 'instant love.' It will take time for them to feel like a family. It requires a lot of planning in advance to avoid disappointment."</font></p><p align="justify"><font size="2" face="Arial">So don't expect to become the Brady Bunch. "Families don't blend," says Dr. Engel. "They combine, they expand, but they don't blend." So you should figure out what your (or your new partner's) role is, rather than making assumptions.</font></p><p align="justify"><font color="#ff8000" size="2" face="Arial"><b>Set ground rules</b></font></p><p align="justify"><font size="2" face="Arial">So how is your clan going to function? Well, since conventional "family rules" are out, you'll have to make some new ones. Experts say that clear, all-inclusive plans are necessary to make a stepfamily work. Who spends time with whom, and when? What rules apply to everybody; what rules don't? What is everybody's role in the family? What are the budgeting/disciplinary/recreational systems?</font></p><p align="justify"><font size="2" face="Arial">"The couple needs to establish ground rules, like a business plan, and both partners have to agree on those rules and schedules," says Dr. Lofas. "A common error is when the couple has no rules at all. But every one of us has internal rules, and if a situation doesn't function as you want, you get uncomfortable. Time should be allotted for the parent and children, and for the couple."</font></p><p align="justify"><font size="2" face="Arial">"Communication is&nbsp;<i>so</i>&nbsp;important," stresses Dr. Engel. "It's essential that the couple talk together on how the household will operate. The natural parent should provide the information to his or her own children on house rules, so that it doesn't look like the 'bad stepparent' taking over." You may experience initial -- if not continual -- hostility from your stepchildren if they feel you're trying to replace one of their natural parents. "It's important for your stepchildren to understand that you're not a&nbsp;<i>replacement</i>&nbsp;for the lost parent, but an&nbsp;<i>addition</i>," she says.</font></p><p align="justify"><font size="2" face="Arial">Dr. Lofas points out that children may be less than thrilled about their parent marrying someone new. "They've experienced the losses of their original family and one biological parent," she explains. "Stepparents need to know that some of the things kids say are normal. They see themselves as rivals for love: 'who comes first, daddy, the new wife, or me?'"</font></p><p align="justify"><font size="2" face="Arial">Some anger, sadness, or acting out is perfectly normal for&nbsp;<a href="http://www.divorcemag.com/articles/Children_and_Divorce/">children of divorce</a>. As a stepparent, you need to stay calm, kind, and adult in the face of outbursts -- and to avoid getting "hooked" by the hurtful things your stepchildren say or do to you. They have a right to their feelings -- but they do&nbsp;<i>not</i>&nbsp;have a right to be verbally or physically abusive to you. "Be very kind to your stepchildren, and validate any feelings they may be having about their parents' divorce, but do not be a doormat," recommends Diana Shepherd, editor of this magazine and stepmother of three. "Make it crystal-clear that you expect to be treated with the same courtesy you extend to them. This is definitely a two-way street: if you're rude to them, you can expect rudeness in return. So establish ground-rules early on about what is -- and what is not -- acceptable behavior."</font></p><p align="justify"><font size="2" face="Arial">Shepherd also recommends taking parenting counseling with your partner. "It's really important that you're on the same page in terms of your expectations. Talking to a parent about his/her children can be a delicate matter, and arguments about the kids can cause a rift in your relationship. A parenting counselor can give you objective advice based on years of training and experience. The counselor isn't on your side or your spouse's side: he/she is looking at what's best for the children." This objective advice tends to turn down the heat in discussions about hot-button issues such as discipline.</font></p><p align="justify"><font size="2" face="Arial">The biological parent should always be the head disciplinarian, so don't expect to immediately become an authority figure to your partner's children. According to Dr. Marshall, "you can't get too involved with discipline too soon, because that's almost inviting children to say, 'you're not my father/mother! You can't tell me what to do!' You do need to have a measure of authority as an adult, but you have to ease into parenting, developing your role slowly. Children accept their biological parents first because they have met the kids' needs and taken care of them. When the natural parents exercise discipline, it's based on an emotional attachment, an established relationship."</font></p><p align="justify"><font color="#ff8000" size="2" face="Arial"><b>Stepfamily dynamics</b></font></p><p align="justify"><font size="2" face="Arial">"It's important not to diminish the biological, non-residential parent in any way," Messinger says. "The children have a right to that parent's love." Ex-spouses will still be linked to each other via their children -- as will uncles, aunts, cousins, and grandparents. "You must develop a family plan for a second marriage: think of all the ties the kids have," advises Messinger.</font></p><p align="justify"><font size="2" face="Arial">According to Engel, the children might feel like they're being replaced by a stepparent. "Teens may have become more mature in a single-parent family, and had more responsibility looking after things," she says, "but the stepparent may make them feel demoted. When the adult steps in, they might feel as if they've lost power. So the child will strike out, and the circumstance, not the adult, is to blame.</font></p><p align="justify"><font size="2" face="Arial">"Understand that the hostility may not be personal," she continues. "The children may feel that they're losing their parent. It's very important to make time for parents to be alone with their own children, to show that they're not abandoned; meanwhile, stepparents should build a history of common interests and create some one-on-one time, too." A common mistake is to assume the family must do everything together, she adds. "Kids need time with friends and their natural relatives. There's no problem with the father going away with his own children on a trip, for example. Everybody can get along by combining and compromising interests."</font></p><p align="justify"><font size="2" face="Arial">Don't let either your devotion to your own children or getting to know your spouse's let you forget that you have a new spouse, too. Some stepfamilies sacrifice their marriages for the kids' sake. "There's an old joke that stepparents don't have their honeymoon until the end of the marriage -- when the kids have grown," says Dr. Engel. "You have to nurture the marriage as well. Take a walk after dinner or go to a movie. Or have the children spend time with their non-residential parents on the same weekend, so you have a child-free weekend together." If the marriage is shaky, effective stepparenting will become impossible.</font></p><p align="justify"><font size="2" face="Arial">Because there are so many different types of stepfamilies, what works for others won't necessarily work for you. "There simply isn't one model that works in every situation," Dr. Marshall admits. "You can't teach a course in it, like with first-time parenting, because the issues aren't as predictable. There's a world of difference between a stepfamily with one three-year-old and one with four teens from different families." It's your and your spouse's responsibility to write a script for your own situation. If you can't, enlist the help of a counselor -- preferably one who has experience with stepfamilies.</font></p><p align="justify"><font color="#ff8000" size="2" face="Arial"><b>Getting in step</b></font></p><p align="justify"><font size="2" face="Arial">According to Dr. Engel, "Adults all want the same thing: they all want supportive relationships, and they want to rear happy, healthy children. Stepfamilies aren't as big a risk as the media make them out to be. People are trying harder now to work together, much more and much earlier. Typically, it takes a number of years, but they do it."</font></p><p align="justify"><font size="2" face="Arial">It takes a great deal of time, adaptability, understanding, patience, and open-mindedness to have a happy stepfamily. Along the way, accept that there are going to be problems and awkwardness. Make a commitment to nurturing your marriage, and to raising happy, well-adjusted kids, and don't be afraid to ask for help -- from your spouse, family, friends, or a professional counselor if necessary. Your goals (a happy marriage and happy kids) are too important to forfeit by suffering in silence.</font></p><hr><p align="justify"><em><font size="2" face="Arial">For more information and advice on being part of a stepfamily, visit the Stepfamily Foundation website at www.stepfamily.org; the Foundation offers worldwide telephone counseling. The Stepfamily Association of America's site -- www.saafamilies.org -- is also very helpful.</font></em></p><hr><p align="left"><font size="2" face="Arial">For more articles on infidelity and divorce, visit&nbsp;<a href="http://www.divorcemag.com/articles/Children_and_Divorce">http://www.divorcemag.com/articles/Children_and_Divorce</a></font></p></span><br /></div>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/successful_stepfamilites.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/successful_stepfamilites.html</guid>
         <category></category>
         <pubDate>Thu, 08 Jul 2010 14:00:33 -0800</pubDate>
      </item>
      
      <item>
         <title>Full Esteem Ahead</title>
         <description><![CDATA[<span class="Apple-style-span" style="color: rgb(0, 0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 11px; -webkit-border-horizontal-spacing: 3px; -webkit-border-vertical-spacing: 3px; "><p align="justify"><strong><font face="Arial" color="#000080" size="4"><img alt="self esteem.jpg" src="http://www.pasadenalawblog.com/self%20esteem.jpg" width="239" height="280" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" />Full esteem ahead<br /></font><font face="Arial" color="#d76b00" size="2">Reclaiming your self-esteem after divorce is a critical part of the healing process. Here are some suggestions to help you on your way.&nbsp;<br /></font></strong><font face="Arial" size="2">By Jane Nahirny</font></p><p align="justify"><font face="Arial" size="2">Marlene was 36 years old and a successful real-estate agent when her spouse of seven years told her he wanted a divorce. An attractive woman who seemed to exude confidence, Marlene had many friends and a fulfilling career; she was well respected in her community and secure (or so she thought) in her marriage. All that changed with her separation and divorce: "It was like the ground had shifted under my feet... I couldn't get my bearings," she remembers. "My self-esteem dipped to an all-time low. I questioned every decision I made, and found it difficult to find happiness in my life. It took time and a lot of hard work to get back to my old self."</font></p><p align="justify"><font face="Arial" size="2">Few people even think about their self-esteem until it's threatened by a traumatic life event. Here, divorce takes top marks. Marriage is, for many of us, our single most important commitment; when it ends in divorce, it's hard not to feel that we've failed. During this difficult time, your self-esteem may falter, depending on how much you relied on your spouse -- or the institution of marriage -- for your self-esteem, says M. Chet Mirman, Ph.D., a clinical psychologist and co-founder of The Center for Divorce Recovery, a Chicago-area psychotherapy center specializing in divorce-related issues. "Everyone goes through a period of pain and sadness during divorce, maybe even depression, when they have that kind of loss," he says. "Some are able to bounce back in less time because they're able to find themselves more quickly."</font></p><p align="justify"><font face="Arial" size="2">Low self-esteem is often assumed to be closely associated with poor body image -- but there's more to it than that. "When you ask people about their self-esteem, many will immediately refer to how they feel about their body," says Jeffrey Rossman, Ph.D., a psychologist and the director of the Behavioral Health Department at Canyon Ranch in the Berkshires. "Our bodies are just one part of who we are... Self-esteem is how you feel about yourself -- the positive and the negative. It's complex, because it comprises how you feel about several different facets of yourself: how you feel about your role as a spouse or ex-spouse, a father or mother, a son or daughter, a sibling, a member of the community, a colleague, a friend..."</font></p><p align="justify"><font face="Arial" size="2">A healthy sense of self-esteem is having not just a "good" self-opinion, but rather one that is realistic, affirming, and accepting, stresses Dr. Mirman. "It's a little like having a good parent inside your head: someone who can see you for who you are, and who doesn't require you to be the best at everything in order to love you and accept you."</font></p><p align="justify"><font face="Arial" size="2">Dr. Rossman agrees: "Simply put, having a healthy sense of self-esteem allows you to feel good about yourself and who you are: to be happy with yourself, to accept yourself. I'm not suggesting, however, being complacent or putting the blame on others in order to be happy with yourself," he adds.</font></p><p><font face="Arial" color="#d76b00" size="2"><b>The silver lining</b></font></p><p align="justify"><font face="Arial" size="2">Despite the obvious sense of pain and loss, Dr. Rossman believes that the divorce process can be a "very fertile opportunity" for learning, self-examination, and growth. "When you're married, you see yourself reflected back through the eyes of your partner," he says. "If you have a marriage that ended in divorce, that reflection may not have always been positive." The healing that needs to take place, he says, is to "see yourself as clearly as possible, in a way, to cleanse yourself of whatever distortion may have been coming back to you in that reflection from your ex-spouse."</font></p><p align="justify"><font face="Arial" size="2">The difficulty many individuals face is that, while society offers rituals to support grieving when there is a loss through death -- such as visitations, shivas, funerals, wakes, etc. -- there's just not the same sort of social support during divorce. "Rather than let you grieve, friends and family may say things like, 'You're better off without him' -- comments that support your defenses against moving forward," says Dr. Mirman. It's important to recognize that you are entitled to your grief during divorce, he insists. "Know that this is a loss, so when you're feeling badly, you can access that internal parental voice that says, 'It's okay to feel sad now; it'll be alright.'"</font></p><p><font face="Arial" color="#d76b00" size="2"><b>Rebuilding self-esteem</b></font></p><p align="justify"><font face="Arial" size="2">Granted -- rebuilding your self-esteem after divorce can be hard work. But possessing a positive sense of self-esteem is critical in life: it frees us from our own inhibitions and self-doubts so we can take action with confidence, live fully and consciously, and grow dimensionally away the pain of divorce. Here are a few suggestions to help you begin the process towards a newer, more confident you.</font></p><ol><li><p align="justify"><font face="Arial" size="2"><b>Recognize that what you're going through is normal.</b>&nbsp;"It's an emotional process," says Dr. Mirman. "The one thing that helps when someone's going through a divorce, when they're feeling really badly about themselves, is if they remind themselves that this is a normal part of the process -- that this too will pass."</font></p></li><li><p align="justify"><font face="Arial" size="2"><b>Go on living your life as fully as possible while grieving the loss of your marriage,</b>&nbsp;advises Dr. Rossman. "By that, I mean going out to lunch with friends, exercising, getting involved in recreational activities, being really fully engaged with work. Know that the grieving can take place right alongside full engagement with life," he adds. "And try to 'live well': That's a wonderful way to boost your self-esteem. If you treat yourself well, that helps you feel good about yourself."</font></p></li><li><p align="justify"><font face="Arial" size="2"><b>Calm, subdue, and wrestle those self-punishing thoughts to the ground.</b>&nbsp;In their book,&nbsp;<i>Conquer Your Critical Inner Voice</i>, Robert W. Firestone, Ph.D., Lisa Firestone, Ph.D., and Joyce Catlett, M.A. note that: "The critical inner voice is the language of the defended, negative side of your personality; the side that is opposed to your ongoing personal development. The voice is made up of a series of negative thoughts that oppose your best interests and diminish your self-esteem." The authors recommend a course of practical exercises to help you silence your critical inner voice, once and for all -- such as "Exercise 1.1: Visualizing the Real You" and "1.4: A Plan for Action." More specific exercises target particular life areas, including those that establish a link between self-defeating behavior in the workplace and the critical inner voice. With the latter exercises, the authors provide ways for you to improve your work habits and express yourself more positively on the job.</font></p><div><font face="Arial" size="2"><br /></font></div></li></ol></span>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/full_esteem_ahead.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/full_esteem_ahead.html</guid>
         <category></category>
         <pubDate>Thu, 08 Jul 2010 13:59:16 -0800</pubDate>
      </item>
      
      <item>
         <title>Your Money Personality</title>
         <description><![CDATA[<table class="MsoNormalTable" border="0" cellspacing="4" cellpadding="0" width="100%" style="width:100.0%;mso-cellspacing:3.0pt;mso-yfti-tbllook:1184;mso-padding-alt:
 3.0pt 3.0pt 3.0pt 3.0pt">
 <tbody><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
  <td valign="top" style="padding:3.0pt 3.0pt 3.0pt 3.0pt">
  <img alt="money in hand.jpg" src="http://www.pasadenalawblog.com/money%20in%20hand.jpg" width="245" height="248" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:13.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#D76B00">Your Money Personality<br />
  </span></b><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:#FF8000">Do you have a realistic sense of the money attitudes and
  behaviors you exhibit in your daily life? This article will help you increase
  your self-awareness as you gain an overview of your present relationship to
  money (its strengths as well as its weaknesses) and of your money personality
  in general.<o:p></o:p></span></b></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  </span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">By Olivia Mellan</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Most of us have powerful feelings
  about money. These feelings can make it hard for us to arrive at rational
  decisions about our money and to keep our relationships harmonious when
  dealing with money. Some people feel guilty about having too much money; some
  feel ashamed of not having enough or not making enough. Others are afraid to
  deal with money at all fearing that it will corrupt them in some way or make
  them feel inadequate. Still others worry constantly about money, and this
  worrying affects the quality of their lives -- whether they have enough money
  or not. And some feel a kind of free-floating anxiety about money but have no
  idea where it's coming from. It's common for people to harbor a variety of
  feelings about money at the same time, and even to switch from one set of
  feelings to another (e.g., worrying and obsessing about money one day and
  then completely avoiding the issue of money the next day).<o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;<o:p></o:p></span></p>
  <table class="MsoNormalTable" border="0" cellspacing="8" cellpadding="0" align="right" width="150" style="width:112.5pt;mso-cellspacing:6.0pt;mso-yfti-tbllook:1184;
   mso-table-lspace:2.25pt;mso-table-rspace:2.25pt;mso-table-anchor-vertical:
   paragraph;mso-table-anchor-horizontal:column;mso-table-left:right;
   mso-table-top:middle;mso-padding-alt:3.0pt 3.0pt 3.0pt 3.0pt">
   <tbody><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
    <td width="100%" style="width:100.0%;background:#FFE6CC;padding:3.0pt 3.0pt 3.0pt 3.0pt">
    <p class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:
    .0001pt;text-align:center;line-height:normal"><i><span style="font-size:
    10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">Take
    the</span></i><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
    font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span></i><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><br />
    "</span></i><b><i><span style="font-size:10.0pt;mso-bidi-font-size:
    11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/c/s3/?Financial_Planning/moneypersonality.html#quiz"><span style="color:blue">Money Personality Quiz</span></a></span></i></b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;">"</span></i><i><span style="font-size:10.0pt;
    mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;">&nbsp;</span></i><i><span style="font-size:10.0pt;
    font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
    to learn which of the five major money personality types best describes
    your tendencies.</span></i><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
  </tbody></table>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Just as our feelings about money
  can vary, so, too, can our behaviors. Some people hoard money; others spend
  it freely. Some are responsible about attending to daily financial tasks,
  while others avoid these tasks as much as possible. Certain individuals don't
  invest their money at all; others invest conservatively; still others take
  great financial risks. And finally, some people don't fit neatly into these
  categories and exhibit money behaviors that are contradictory (e.g., acting
  responsibly for several months and then undermining this behavior by going on
  an out-of-control spending spree).</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Can you articulate your own
  personal feelings about money? Do you have a realistic sense of the money
  attitudes and behaviors you exhibit in your daily life? This article will
  help you increase your self-awareness as you gain an overview of your present
  relationship to money (its strengths as well as its weaknesses) and of your
  money personality in general. Doing the work in this article represents an
  important first step in the journey towards money harmony.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:#FF8000">Assessing your strengths and weaknesses</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Let's begin by coming up with two
  lists, one positive and the other negative. On the first list, note two or
  three areas of your "moneylife" that are a source of pride or
  pleasure. Here are some typical responses:</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l2 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I make enough money to live on.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l2 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I balance my checkbook regularly.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l2 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'm a generous gift giver.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l2 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I have more than $15,000 in savings.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Now identify two or three aspects
  of your moneylife that cause you discomfort or even shame. Some typical
  responses might be:</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l0 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I go on shopping binges periodically.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l0 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I procrastinate about paying bills.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l0 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I bounce checks from time to time.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l0 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'm in debt.</span><span style="font-size:12.0pt;
       font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l0 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I have trouble spending money on gifts for myself or
       loved ones.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">I recommend that you keep a record
  of your responses to these questions -- either in writing or on tape. If
  you'd rather not write down or tape your responses, at least take the time to
  think about them.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">After you've finished both lists,
  ask yourself which list was harder for you to produce. Was it the positive
  list or the negative one? Your answer will determine where you need to
  concentrate your attention. For example, if you tend to focus on all your
  negative traits connected with money -- and feel bad about this -- more
  growth and healing will come from acknowledging your positive qualities for a
  change. And if you tend to deny your negative traits about money (everyone
  has them I believe, to some degree), you'll profit from focusing on your
  negative list.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:#FF8000">Money personalities</span></b><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:navy">Aaron, the
  self-flagellating hoarder.</span></b><span style="font-size:10.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  Many years ago, I gave a workshop in Washington, D.C. One of the participants
  learned firsthand about the therapeutic value of switching to a new
  perspective. Aaron was a freelance writer in his sixties who felt incredibly
  ashamed of being, as he described it, "A stingy, worrywart
  tightwad" whose wife and two daughters constantly criticized him for
  these qualities. His negative feelings were so intense that it was impossible
  for him to make any changes in his relationship to money. But in having to
  come up with his positive list, he was amazed to find that his hoarding
  tendency had enabled him to own a house and send both daughters to college on
  a paltry freelance writer's salary (his wife didn't work outside the home).
  Seeing his tendency to save money in a new light gave him enough self-esteem
  to focus on the aspects of his hoarding that were not serving him or his
  family well.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">People can't change when they feel
  too bad about themselves. Only by validating themselves for their strengths
  do they have a springboard from which to confront their weaknesses.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:navy">Mildred, the spender in
  denial.</span></b><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:navy">&nbsp;</span></b><b><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  </span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Mildred tended to praise herself
  for her generosity and to ignore the fact that she was overspending and
  running up huge credit-card balances. Doing this exercise and focusing on her
  weaknesses made her uncomfortable initially but gave her an important
  insight: she realized how out of control her spending had become in the years
  when she was experiencing marital stress with her husband. She was, for the
  first time, free to make some changes in her angry, reactive spending habits.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:
  .0001pt;text-align:center;line-height:normal"><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">
  <hr size="2" width="100%" align="center">
  </span></div>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><a name="quiz"></a><b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;;color:#FF8000">Taking the money personality quiz</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Now that you have your baseline --
  a general assessment of your current relationship to money -- and you know
  where you need to do your beginning work, you can move on to the "Money
  Personality Quiz". By taking this quiz, you will learn which of five
  major money personality types best describes your tendencies.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">Bear
  in mind that each type has both good qualities and shortcomings, and that
  most people are in fact a combination of types. There's no need to worry
  about the outcome. Instead, try having fun with this quiz.</span></i><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">Record
  the answers on a separate sheet of paper. For each statement, choose the
  answer that strikes you first as being closest to your tendencies. There is
  no right answer. Just be as honest with yourself as you can.</span></i><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">1. If $20,000 came
  to me unexpectedly, my first impulse would be:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. To spend it on things I really want, including gifts for others.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. To put it in my savings account.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. To feel so overwhelmed that I'd put off making decisions about it for
  quite a while.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. To invest it in order to make the biggest profits possible.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. To give most of it away and use it to make the world a better place.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">2. When it comes to
  dealing with my money:</span></i></b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I make sure that it never influences my life choices.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I enjoy spending it on gifts for myself and others, and on whatever will
  give me immediate pleasure.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I worry about it a lot and strategize how to make more and more of it.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I hold on to it and enjoy thinking about the security it provides.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I try not to think about it and hope it will take care of itself.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">3. My goals about my
  money are:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. To save enough of it now so that I never have to worry about my old age.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. Unclear to me.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. To have enough of it to ensure that I can buy whatever I want.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. To have enough to satisfy my basic needs and then give the rest away.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. To make as much of it as possible, as quickly as possible.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">4. When it comes to
  following a budget:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I rework my budget often to figure out ways to have more money to spend
  and save.<br />
  B. I enjoy following mine closely.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. I take pride in living so simply that I've never needed a budget.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I hate the word budget. I prefer spending plan!</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I don't have a budget and never want one. My money will take care of
  itself.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">5. When it comes to
  spending money:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I hope I'll have enough money to take care of unexpected expenses.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I enjoy spending money, as long as I keep accumulating it at the same
  time.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I'd rather save my money than spend it. Spending money makes me nervous.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I don't follow where my money goes, and I don't want to. I focus on more
  important aspects of my life.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I love spending money, and I tend to spend more than I earn.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">6. I deal with
  financial record keeping as follows:</span></i></b><span style="font-size:
  10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I keep reworking my records, to figure out ways to make more money or to
  make my money work better for me.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  B. I'm not even sure which records I should be keeping.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I enjoy keeping careful records.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  D. I keep some records but have trouble organizing them and finding them.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I don't keep records. I hate to spend my time this way.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">7. When it comes to
  saving money:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I know I ought to be saving money, but I never seem to get around to it.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I enjoy saving large amounts of money and spend a lot of time and energy
  thinking about how to save more.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. I have trouble saving money, and this bothers me sometimes.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I save only for absolute necessities.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  E. Saving comes naturally to me. I am regular and consistent about it.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">8. This is my
  attitude toward borrowing money:</span></i></b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I try not to borrow money, but when I have, I find it hard to keep track
  of my progress in paying it back.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  B. I try never to borrow money from others.</span><span style="font-size:
  10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. I'm willing to borrow large amounts if it will help me make more, but I
  worry about amassing debt if the profits don't show up quickly.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I've borrowed money quite often, and I'm pretty casual about paying it
  back.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I borrow only for absolute necessities.</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">9. When it comes to
  lending money:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I'm pretty generous and don't worry too much about when I'll get it back.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. People tend not to ask me for money. That suits me fine.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I wouldn't mind lending money, but people hardly ever ask me.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I try never to lend money, but if I do, I expect to be paid back promptly.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I don't mind lending money, if I get a good interest rate. I also worry
  about getting it back on time.</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">10. As far as credit
  cards are concerned:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I prefer not to have credit cards at all. If I have one, I use it as
  little as possible.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I tend to use credit cards often and make the minimum payment.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I don't mind running up large charges, as long as I can pay them off
  quickly. I think about my credit card bills a lot.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I don't take much notice of the status of my credit cards. I often forget
  to pay even the monthly minimum until I get a warning notice.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I have always tended to avoid using credit. I prefer paying by cash or
  check.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">11. When it comes to
  providing for emergencies:</span></i></b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I don't have enough saved to provide for emergencies. I just hope for the
  best!</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I have no money set aside for emergencies, and I almost never think about
  what I would do if something bad were to happen.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I keep thinking that I'll have enough to start saving for emergencies
  soon, but I'm still not quite there!</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  D. I've put aside a sizable amount for emergencies, but I still worry about
  them!</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I try to save regularly for an emergency fund.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">12. When it comes to
  paying my taxes:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. I scramble to get together some minimal records, just to get the taxes
  done. I'm always surprised at how much money I owe every year.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I save regularly for taxes, and most years I complete my tax return well
  in advance of the deadline.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I hate focusing on taxes and try to get them done with as little fuss as
  possible.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I have trouble saving for taxes and doing my tax return, and I feel
  strapped every year before the deadline. E. I take pride in having more
  assets and paying lower taxes every year, if I can.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">13. To feel totaly
  satisfied with my income, this is what I'd need:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. A few thousand more than I'm making now would be largely sufficient.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. Increasing my earnings by a large amount every year is what satisfies me
  -- $50,000 a year more would be nice!</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. I suppose I could always use more money, but I have no idea how much more.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I feel pretty satisfied with what I make right now. A big increase would
  make me feel uncomfortable.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. At least $10,000 to $20,000 more than I'm making now.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">14. When it comes to
  investing in the stock market:</span></i></b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I enjoy investing in the stock market, and I like to diversify to maximize
  my profits.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. I don't think about investing very often, but if I did invest, I'd want
  someone else to make those decisions for me.</span><span style="font-size:
  10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  C. I choose "safe" and conservative investments.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. I'm not an expert at investing, but I think it would be fun to invest in
  more speculative stocks that might offer a high rate of return.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. I don't think about investing, but if I made any investments, I'd prefer
  those that were socially responsible.</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">15. When I want a
  certain item but it's not within my budget:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. Either I'll decide I don't really want it, or I'll buy it and figure out
  how to pay for it later.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. If I want it, I will buy it. I can always figure out a way to pay for it.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. I will buy it, whether I can afford it or not.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. Most of the things I want are not expensive luxury items, so I can afford
  them. If I do want something outrageous, I may buy it, but the purchase will
  make me feel very uncomfortable.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  E. If the item is important enough to me, I'll figure out how to adjust my
  budget to afford it. If it isn't that important, I'll forget about it.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">16. When I'm feeling
  down in the dumps, spending money:</span></i></b><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. Is the last thing I would do, putting some more money in savings might
  lift my spirits.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. Always cheers me up.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. Just makes me feel worse. Spending money has nothing to do with happiness.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. Is not what I think about to cheer myself up.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. In large amounts, and hatching plans to make more money, makes me feel
  better.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">17. I would take (or
  have taken) a bank loan under these circumstances:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. To pay off debts, to go on vacations, or to buy something I really wanted.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. To finance my education -- maybe. (I've never borrowed money, and I never
  want to.)</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. To set up or expand a business, or to make an investment that would yield
  a high return.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. To make essential repairs or to increase my future security.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. To deal with medical emergencies or other unforeseen circumstances but not
  for anything else.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">18. I worry about
  money:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. Never. I worry about important things!</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  B. A little bit all the time. But I do all I can to manage it well.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. Constantly. It's the main thing I worry about!</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. Only when financial crises strike.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  E. Not very much. I just enjoy spending it!</span><span style="font-size:
  12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">19. When I think
  about providing for my future security:</span></i></b><span style="font-size:
  10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  A. I am quite concerned that I won't have enough money in my future, since
  it's been so hard for me to save. B. I have such a difficult time thinking
  about money that all I can do is hope that the future will take care of
  itself!</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. Since I make sure I have a lot of money at my disposal, the future will
  probably be fine.</span><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. Considering how systematic I've been about saving for the future, I feel
  reasonably confident about it.</span><span style="font-size:10.0pt;
  mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
  &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><br />
  E. I don't think about the future in financial terms. I have more important
  concerns, such as my quality of life in the future.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#CC0033">20. If I won a million
  dollars in the lottery, my first reaction would be:</span></i></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  A. To feel guilty, thinking about the starving masses who have nothing.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  B. To feel shocked, a little overwhelmed, and very relieved that my future
  was now secure.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  C. To be totally overwhelmed -- I would have no idea how to handle it.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  D. To be very happy and pleased, and to immediately start thinking about how
  I could simultaneously make my money grow and use it for my own enjoyment.</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><br />
  E. To be wildly excited, realizing that from now on I could buy anything I
  wanted!</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:
  .0001pt;text-align:center;line-height:normal"><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">
  <hr size="2" width="100%" align="center">
  </span></div>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Now that you've completed the
  quiz, here's the key to determine which combination of money personality
  types you tend to be:</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l5 level1 lfo3;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#FF0033">H = Hoarder</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l5 level1 lfo3;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009900">S = Spender</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l5 level1 lfo3;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#000099">M = Money Monk</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l5 level1 lfo3;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#990099">V = Avoider</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l5 level1 lfo3;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009999">A = Amasser</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Refer to the following list as you
  score your answers, keeping count of how many H's, S's, M's, V's, and A's
  you've chosen.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <table class="MsoNormalTable" border="0" cellspacing="3" cellpadding="0" width="428" style="width:321.0pt;mso-cellspacing:2.2pt;mso-yfti-tbllook:1184;mso-padding-alt:
   2.25pt 2.25pt 2.25pt 2.25pt">
   <tbody><tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">1.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:1">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">2.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:2">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">3.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:3">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">4.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:4">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">5.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:5">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">6.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:6">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">7.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:7">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">8.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:8">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">9.</span><span style="font-size:
    12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:9">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">10.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:10">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">11.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:11">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">12.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:12">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">13.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:13">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">14.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:14">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">15.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:15">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">16.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:16">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">17.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:17">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">18.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:18">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">19.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
   <tr style="mso-yfti-irow:19;mso-yfti-lastrow:yes">
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">20.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="16%" style="width:16.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">A. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#000099">M</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">B. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#FF0033">H</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">C. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#990099">V</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">D. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009999">A</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
    <td width="17%" style="width:17.0%;padding:2.25pt 2.25pt 2.25pt 2.25pt">
    <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;
    line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">E. =</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
    mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
    &quot;Times New Roman&quot;;color:#009900">S</span></b><span style="font-size:12.0pt;
    font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
    </td>
   </tr>
  </tbody></table>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Whichever letter (or letters)
  turns up most frequently in your answers is the one that represents your
  predominant money personality type (or types).</span><span style="font-size:
  12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;;color:#FF8000">Brief description of
  major money types</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l4 level1 lfo4;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#FF0033">Hoarder</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">. You enjoy holding on to your money. It may be
       difficult for you to spend money on luxury items or immediate pleasures
       for yourself and your loved ones.</span><span style="font-size:12.0pt;
       font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l4 level1 lfo4;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009900">Spender</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">. You probably love to use your money to buy whatever
       will bring you pleasure. You may have a hard time saving, budgeting, and
       delaying gratification for long-term goals.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l4 level1 lfo4;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#000099">Money Monk</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">. You may try to avoid having too much money. You'd
       feel guilty if a large amount of money came your way unexpectedly.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l4 level1 lfo4;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#990099">Avoider</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">. You tend to avoid performing various tasks of
       everyday money management. You may feel anxious or incompetent about
       dealing with money.</span><span style="font-size:12.0pt;font-family:
       &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l4 level1 lfo4;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009999">Amasser</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">. You're likely to be overly concerned with keeping
       large amounts of money at your disposal to spend, save, and invest. This
       preoccupation may be having a negative effect on your ability to enjoy
       your life in the moment.</span><span style="font-size:12.0pt;font-family:
       &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:#FF8000">Assessing your money personality</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">For now, you need only be
  concerned with answering the following questions:</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l6 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">Which money type or types are you?</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l6 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">Does your money personality cause you any difficulty
       in life, either as an individual or in dealing with your partner?</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l6 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">What are one or two things about your relationship to
       money that you think you might like to change or modify in some way?
       (When answering this question, note that the changes don't have to be
       actions or behaviors, they can be feelings or attitudes about money as
       well.)</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Here are some common responses:</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop going on shopping binges.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to start saving for my future.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop worrying about money so much.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop feeling guilty when I buy myself
       something.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop feeling bad that I don't make more
       money.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop feeling ashamed/guilty about making
       too much money.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to figure out how I sabotage my own attempts
       to make more money, so I can provide better for myself and my family.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to stop procrastinating about paying bills
       and doing my taxes.</span><span style="font-size:12.0pt;font-family:
       &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l3 level1 lfo6;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;">I'd like to be more conscious of where I spend my
       money.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">After answering these simple questions
  about sources of shame guilt, fear, and pride about money, and looking at the
  tendencies toward imbalance reflected in your money personality, you are
  ready to begin thinking about actions you can take or attitudes you can adopt
  to move toward more harmony in your moneylife.</span><span style="font-size:
  12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
  color:#FF8000">Your first assignment</span></b><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">At least once a week, choose to do
  one thing that will increase your self-esteem about how you deal with your
  money. The more concrete your action is, the better. I'll give you some
  examples of weekly assignments.</span><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <ul type="disc">
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l1 level1 lfo7;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:red">For hoarders:</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <ul type="circle">
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will spend $25 or so on some frivolous gift for
        myself or a friend.</span><span style="font-size:12.0pt;font-family:
        &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will refrain from reworking my budget to see how I
        can save more money -- in fact, I won't look at my budget once all
        week, and I'll see how that feels.</span><span style="font-size:12.0pt;
        font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   </ul>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l1 level1 lfo7;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009900">For spenders:</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <ul type="circle">
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will put $20 into my savings account.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will refrain from going on shopping binges.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   </ul>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l1 level1 lfo7;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#0000CC">For money monks:</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <ul type="circle">
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will buy myself something I've wanted for a while
        and notice how I feel about that act of "selfish pleasure."</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will make a list of ways to use money that include
        giving to others and giving to myself.</span><span style="font-size:
        12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;"><o:p></o:p></span></li>
   </ul>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l1 level1 lfo7;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#CC00CC">For avoiders:</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <ul type="circle">
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will keep track of where I spend my money.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will sit down for one two-hour session in which I
        pay all the bills that are due and balance my checkbook.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   </ul>
   <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
       auto;line-height:normal;mso-list:l1 level1 lfo7;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
       &quot;Times New Roman&quot;;color:#009999">For amassers:</span></b><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
       mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   <ul type="circle">
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will spend less than 15 minutes a day checking my
        investments.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
    <li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
        auto;line-height:normal;mso-list:l1 level2 lfo7;tab-stops:list 1.0in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
        &quot;Times New Roman&quot;">I will engage in activities that don't involve money
        at all, such as going to a museum or packing a lunch and eating it in
        the park.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
        mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
   </ul>
  </ul>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">If you choose to do one of these
  assignments, remember to reward yourself for this new behavior, and monitor
  your reactions to it. Give yourself credit for taking your first step on the
  road to money harmony.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">Your next challenge will be to
  explore your history with money. When you can see how the past impinges on
  the present, you'll be in a much better position to make improvements for the
  future.</span><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:
  .0001pt;text-align:center;line-height:normal"><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">
  <hr size="2" width="100%" align="center">
  </span></div>
  <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
  line-height:normal"><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">This article has been edited and
  excerpted from</span></i><i><span style="font-size:10.0pt;mso-bidi-font-size:
  11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span></i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">Money Harmony: Resolving Money Conflicts in Your Life and
  Relationships</span><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
  font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span></i><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">by Olivia Mellan. A psychotherapist and consultant in the
  field of money conflict resolution, Mellan shows you how your hidden, intense
  thoughts and feelings about money may be preventing you from dealing with it
  effectively -- and causing major stress in your life and relationships. This
  excellent book offers innovative exercises, dialogues, and other
  communication techniques to help you make positive changes in how you think
  about and deal with money, and to communicate more productively with your ex
  about money matters.</span></i><span style="font-size:12.0pt;font-family:
  &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></p>
  <div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:
  .0001pt;text-align:center;line-height:normal"><span style="font-size:12.0pt;
  font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">
  <hr size="2" width="100%" align="center">
  </span></div>
  <p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
  normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  mso-fareast-font-family:&quot;Times New Roman&quot;">For more articles on financial
  planning during and after your divorce, visit</span><span style="font-size:
  10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
  &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:12.0pt;font-family:
  &quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Financial_Planning"><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
  color:blue">http://www.divorcemag.com/articles/Financial_Planning.</span></a><o:p></o:p></span></p>
  </td>
 </tr>
</tbody></table>

<p class="MsoNormal"><o:p>&nbsp;</o:p></p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/your_money_personality.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/your_money_personality.html</guid>
         <category></category>
         <pubDate>Thu, 08 Jul 2010 13:56:51 -0800</pubDate>
      </item>
      
      <item>
         <title>Working with Your Attorney to Get the Best Results Possible</title>
         <description><![CDATA[<p></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><font class="Apple-style-span" color="#000080" face="Arial, sans-serif" size="5"><span class="Apple-style-span" style="font-size: 18px;"><b></b></span></font></p><font class="Apple-style-span" color="#000080" face="Arial, sans-serif" size="5"><b><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; height: 90%; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); color: rgb(51, 51, 51); font: normal normal normal 13px/normal arial, helvetica, hirakakupro-w3, osaka, 'ms pgothic', sans-serif; font-family: 'Times New Roman'; font-weight: normal; font-size: medium; "><p class="MsoNormal" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0.75em; margin-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-size: 1em; font-weight: normal; line-height: normal; "><font class="Apple-style-span" color="#000080" face="Arial, sans-serif" size="5"><span class="Apple-style-span" style="font-size: 18px;"><b></b></span></font></p><font class="Apple-style-span" color="#000080" face="Arial, sans-serif" size="5"><b><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:13.5pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:navy"><img alt="handshake.jpg" src="http://www.pasadenalawblog.com/handshake.jpg" width="321" height="224" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span></b></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:13.5pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:navy"><br /></span></b></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:13.5pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:navy"><br /></span></b></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:13.5pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:navy">Working with Your Attorney to Get the Best Results Possible</span></b><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">by John Ventura and Mary Reed</span></i><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:#D76B00">Providing Your Attorney with Essential Information</span></b><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">In order to represent
you well in your divorce and to get at all the facts involved, your</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Divorce_Lawyers/"><span style="mso-bidi-font-size:11.0pt;color:blue">attorney</span></a></span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">needs a lot of information, including basic
information about your family,</span><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Relationships/"><span style="mso-bidi-font-size:11.0pt;color:blue">marriage</span></a>,</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Financial_Planning/"><span style="mso-bidi-font-size:11.0pt;color:blue">finances</span></a>, reason(s) for
divorce, and so on. Although you probably shared some of this information with
your attorney during your initial get-acquainted meeting, when you're actually
working together, he or she will need much more. </span><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">You provide your
attorney with much of the necessary information through one-on-one interviews,
by filling out forms, and by providing your attorney with as much backup
documentation as you can --</span><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Taxation_Law/"><span style="mso-bidi-font-size:
11.0pt;color:blue">tax</span></a></span><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">returns, credit-card statements, titles to property, insurance
policies, lease agreements, phone bills, loan applications,</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Business_Valuation/"><span style="mso-bidi-font-size:11.0pt;color:blue">business</span></a></span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">profit-and-loss statements and balance sheets,
records of investments,</span><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Your_Home/"><span style="mso-bidi-font-size:
11.0pt;color:blue">household</span></a></span><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">budgets, and so on. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Warning:</span></b><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Don't second-guess
whether or not your attorney really needs the information that he or she
requests. Try to provide everything your attorney asks for, and don't withhold
anything because you think the information is unimportant or irrelevant. You
can derail your attorney's negotiating strategy or complicate your divorce in
other ways by failing to share that information. For example, if you withhold
information from your attorney and your spouse's attorney introduces it into
evidence during a hearing related to your divorce, you may damage your case.
Also, your attorney probably won&amp;rsquo;t be very happy with you. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">If you're not familiar
with the details of your family's finances and don't know where your family's
legal and</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Accounting/"><span style="mso-bidi-font-size:
11.0pt;color:blue">financial information</span></a></span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">is kept -- maybe because pulling it together and
reviewing it sounded oh-so-tedious and time-consuming (which it is), you have a
lot of work ahead of you. That information is essential to negotiating the terms
of your divorce and, if you're unable to provide it to your attorney, he or she
will have to use the discovery process to get it, which means that your divorce
will cost more. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">The following sections
provide a rundown of some of the things that your attorney needs to know. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Personal stuff</span></b><span style="font-size:10.0pt;font-family:
&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><br />
To help develop a strategy for ending your marriage and to determine what you
may be entitled to in your divorce, your attorney needs information on your
personal history, your marriage, and your minor</span><span style="font-size:
10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><a href="http://www.divorcemag.com/articles/Children_and_Divorce/"><span style="mso-bidi-font-size:11.0pt;color:blue">children</span></a>. For those
reasons, among others, expect your attorney to question you about</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Why you're getting a divorce</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you and your spouse are</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Separation_Divorce_Process/"><span style="mso-bidi-font-size:11.0pt;color:blue">separated</span></a></span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">The history of your marriage, including the number of
     years you've been married, whether any violence occurred in your marriage,
     and so on</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Biographical information about you and your spouse</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your individual health histories, including whether
     either of you has a history of serious</span><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Health_Well_Being/"><span style="mso-bidi-font-size:11.0pt;color:blue">medical or emotional problems</span></a></span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l7 level1 lfo1;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your minor children, including their ages, where
     they're living, whether they have special needs (educational, physical,
     emotional), whether they attend public or private school, and so on</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Legal and financial stuff</span></b><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><br />
Your attorney will also spend time studying the details of your finances and
reviewing any</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Divorce_Law/"><span style="mso-bidi-font-size:
11.0pt;color:blue">legal</span></a></span><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">agreements that you and your spouse may have entered into during
your marriage. Your attorney will want to know</span><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you have a separation agreement. If you have
     one, your attorney will want to read the agreement.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you and your spouse own any real estate,
     including homes, buildings, or land. Be prepared to provide your attorney
     with the</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
     font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">deeds of record</span></i><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">to this
     property and any loan documents related to the property if you owe money
     on any of it.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you signed a prenuptial or postnuptial
     agreement.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you or your spouse have done any</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Estates_Law/"><span style="mso-bidi-font-size:11.0pt;color:blue">estate planning</span></a>,
     such as writing wills, buying life insurance, or setting up living trusts.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether you and your spouse own a closely held business
     together, have other shared business interests, or own separate
     businesses.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">What assets and debts you and your spouse have from
     your marriage as well as where you got the money to pay for any of the
     real property you may own.</span><span style="font-size:10.0pt;mso-bidi-font-size:
     11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Real property</span></i><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">includes
     your home and any other homes, buildings, or land that you own.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">How much each of you earns annually from all income
     sources, including salaries, commissions, bonuses, and other
     employment-related income as well as from trusts, annuities, royalties,
     rents, and so on.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether either of you made any special contributions to
     one another's career or business. For example, you may have helped finance
     your spouse's business or worked in the business without pay; your spouse
     may have supported you through college or graduate school; or you may have
     used your separate funds to purchase assets for your marriage or to help
     pay your family's living expenses.</span><span style="font-size:4.5pt;
     font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Whether either of you has wasted marital assets by
     gambling; engaging in phone sex or</span><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Infidelity/"><span style="mso-bidi-font-size:11.0pt;color:blue">extramarital affairs</span></a>;
     or through an addiction to drugs, alcohol, or even the Internet.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l6 level1 lfo2;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your current and post-divorce household budgets. In
     addition, if you filed a fault divorce, the attorney will want you to
     provide proof of the fault. Conversely, if your spouse filed a fault
     divorce against you, the attorney will want proof of your innocence.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Other important stuff</span></b><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><br />
Your attorney will ask you questions in order to understand what you expect
from your divorce and what you're willing to do or not do to get what you want.
Your attorney needs this information not just to help you get a divorce agreement
that meets your needs, but also to be certain that your expectations for what
you may get from your divorce are realistic. So, you can expect your lawyer to
ask you about</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your divorce goals and priorities</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your expectations for your divorce</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Why you feel you should receive spousal support, if
     that's something you want from your divorce</span><span style="font-size:
     4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Why you feel the</span><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Child_Custody/"><span style="mso-bidi-font-size:11.0pt;color:blue">custody</span></a></span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">arrangement you want is reasonable and why your
     spouse's desired custody arrangement isn't reasonable, assuming that you
     and your spouse don't see eye to eye on how to handle the custody of your
     minor children</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Under what, if any, circumstances you are willing to go
     to trial to get what you want</span><span style="font-size:4.5pt;
     font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:#D76B00">Using Discovery to Get at the Facts of Your Divorce</span></b><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Attorneys use the</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">discovery</span></i><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">process to help them determine the facts of a case. This process
can be informal or formal. If it's</span><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><i><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">informal</span></i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">, you and your spouse,
working through your individual attorneys, willingly provide one another the
documents and information each of you needs to work out the terms of your
divorce. If it's a</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">formal</span></i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">process, depending on what you or the opposing
side wants to learn through discovery, the attorneys may use a variety of legal
tools (most of which we describe in this section) to get the information they
need. These tools include subpoenas, depositions, interrogatories, and motions
to produce documents. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Your attorney is apt to
rely on informal discovery if</span><span style="font-size:4.5pt;font-family:
&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l5 level1 lfo4;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">The two attorneys agree in writing to willingly
     exchange all the information they need to work out the terms of your
     divorce</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l5 level1 lfo4;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your divorce is amicable</span><span style="font-size:
     4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Your attorney is likely
to use formal discovery if</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l1 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your divorce is contentious</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l1 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your attorney has to force your spouse's attorney to
     provide certain information related to your divorce</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l1 level1 lfo5;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Either attorney needs to formally acquire additional
     information related to your divorce from other sources</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">The discovery process
may take just a short amount of time, especially if the facts of your divorce
are clear and undisputed and most of the discovery is informal. However, if
your attorney (or your spouse's attorney) uses formal discovery to get at the
facts of your case, the discovery process can last many months. The process can
last many months because obtaining information through the formal discovery
process is time-consuming, and reviewing the requested information can take
time. Also, court hearings related to your attorney's discovery requests or the
requests of your spouse's attorney may occur as well as other potential
complications that may slow down the process. </span><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">State By State:</span></b><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">In some states, the amount of formal discovery is limited. For
example, your attorney may be able to use discovery to get at only the
financial facts of your divorce. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Depending on the issues
that have to be resolved before your divorce can be finalized, any number of
individuals may be involved in the discovery process: you, your spouse, your
financial advisors, your business associates, appraisers, your
children&amp;rsquo;s teachers and baby-sitters,</span><span style="font-size:
10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><a href="http://www.divorcemag.com/articles/Therapy/"><span style="mso-bidi-font-size:11.0pt;color:blue">mental-health professionals</span></a>,
your friends, relatives, and neighbors -- basically, anyone who may be able to
provide information about your marriage, your children, your finances, and so
on. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Uncovering the facts with informal discovery</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
Informal discovery occurs when your attorney asks your spouse's attorney (or
vice versa) for financial, legal, medical, or other information and the
opposing attorney provides that information voluntarily. The particular types
of information your attorney asks for depend on the issues involved in your
divorce. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Ideally, most of the
discovery in your divorce will be informal because the more frequently either
side uses formal discovery, the longer your divorce will take and the more it
will cost. For example, in formal discovery, your attorney or your spouse's
attorney may have to complete extra paperwork, formulate questions to ask your spouse
or others, conduct interviews, and then review and analyze all the information.
More hearings take place as well. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Using formal discovery to dig for the details</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
Formal discovery is most common in divorces involving spouses who are unwilling
to cooperate with one another. Depositions, interrogatories, formal requests
for the production of documents, and subpoenas are all formal discovery tools.
The following list tells you what each of these terms means: </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l0 level1 lfo6;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Subpoena:</span></b><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">A legal
     document requiring someone to provide testimony about something or someone
     at a court hearing or a trial. Anyone who ignores a subpoena faces legal
     penalties.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l0 level1 lfo6;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Deposition:</span></b><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">A
     statement by a witness, taken out of court and recorded by a court
     reporter. The witness is under oath. Your spouse's attorney may ask you to
     be a witness as part of the formal discovery process in your divorce.
     Others with knowledge related to an issue in your divorce may also be
     deposed. Although you may wish you didn't have to give a deposition,
     unless you want to risk being held in contempt of court, you must comply
     with the request. Your attorney will be by your side during the
     deposition.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l0 level1 lfo6;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Interrogatories:</span></b><span style="font-size:10.0pt;
     mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;">Written
     questions prepared by the plaintiff's attorney for the defendant or vice
     versa in order to obtain information related to an issue that's in dispute
     in your divorce. Other individuals, such as your family's financial
     advisor, friends or family members, a business associate of your spouse's,
     and so on, may also have to respond to an interrogatory.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l0 level1 lfo6;tab-stops:list .5in"><b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Notices to produce documents and other information:</span></b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Your attorney may use these notices to obtain such
     things as the deed to your home, financial information related to your
     spouse's business, your spouse's cell-phone records, and so on.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">A notice to produce
documents is also known as a "request for production of documents and
other tangible things." </span><span style="font-size:4.5pt;font-family:
&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Even if your divorce is
amicable, your attorney may do a limited amount of formal discovery in order to</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l2 level1 lfo7;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Narrow the scope of your negotiations by identifying
     exactly where you and your spouse agree or disagree and the particulars of
     your agreements and disagreements. The more that you agree on, the less
     the attorneys have to negotiate or litigate later and the less your
     divorce costs.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l2 level1 lfo7;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Assess the strengths and weaknesses of your position
     versus your spouse's.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l2 level1 lfo7;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Assess how well your spouse is likely to perform on the
     stand if your case goes to trial and your spouse must testify.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l2 level1 lfo7;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Get your spouse to admit to certain facts. If your
     divorce goes to trial and your spouse provides testimony while on the
     stand that differs from what he or she said during discovery, your
     attorney can use the discrepancy to undermine your spouse's credibility.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:#D76B00">Using Your Attorney to Work Out the Details of Your Divorce
Agreement</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">After your attorney
briefs you on key points and legal issues in your divorce, he or she may
suggest that you and your spouse work out the terms of your divorce on your own
instead of having him or her and your spouse's attorney do that for you
(assuming that you and your spouse are communicating with each other). Nailing
down the terms of your divorce on your own will save you a considerable amount
of money. After you and your spouse complete your negotiations, you draw up
your own written divorce agreement and have your attorneys review it. After you
have a final divorce agreement, the attorney working for the spouse who
initiated the divorce files the agreement with the court so that the court can
issue a final divorce judgment, which gives your agreement the force of law.
After that task is done, you're officially divorced. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">If you and your spouse
put your attorneys in charge of drawing up your divorce agreement, your
attorneys work together to negotiate the terms of your divorce in consultation
with you and your spouse. After they've worked out all the terms of your
agreement, the attorney for the spouse who initiated the divorce drafts a final
divorce agreement and files it with the court. </span><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Working out an agreement with the help of your attorney</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
If you're the spouse who filed for divorce, your attorney contacts your
spouse's attorney to begin discussing the terms of your divorce. When the
attorneys come to an agreement on an issue in your divorce, your attorney sends
the other attorney a letter stating what they agreed to; assuming that your
spouse's attorney feels that the letter accurately reflects their agreement,
the attorneys put that issue aside and move on to another issue. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">If your spouse's
attorney wants to change anything, he or she calls your attorney to convey the
change. Your attorney consults with you by phone before offering anything to
your spouse's attorney or accepting anything he or she may offer to you. This
back-and-forth process continues until all the issues in your divorce are
worked out or until you and your spouse reach a stalemate on one or more
issues. If that happens, you and your spouse may agree to use</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Mediation/"><span style="mso-bidi-font-size:
11.0pt;color:blue">mediation</span></a></span><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">to try to resolve your differences or, worst-case scenario, you
have to go to court to resolve the sticking points</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Remember:</span></b><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Expect your attorney to
consult you throughout his or her negotiations with your spouse's attorney. Do
not agree to anything that makes you feel uncomfortable, that you don't
understand, or that you don't think you can live up to. You're not obligated to
agree to anything that you don't like. You can accept or reject something that
your spouse's attorney may offer to you through his or her attorney, or you can
use the offer as the basis for additional negotiations. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Warning:</span></b><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">You may be tempted to
threaten your spouse with taking your divorce to trial in order to pressure him
or her to give in on certain points that are important to you. But, before you
try this tactic, consider which scenario is more likely: You holding your
ground and your spouse agreeing to a compromise, or your spouse holding his or
her ground and calling your bluff. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">After you and your
spouse feel that you're close to a final agreement, the attorney representing
the spouse who filed for divorce drafts a formal divorce agreement that
reflects everything you and your spouse have agreed on for your approval and
your spouse's approval. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Evaluating an offer or counteroffer from your spouse</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
Whenever you receive an offer or counter-offer from your spouse proposing how
to resolve one of the issues in your divorce, you must decide whether or not
you like it. When you do your evaluating, ask yourself the following questions:
</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<ul type="disc">
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">How close is the agreement to what I'm asking for?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Does the offer reflect most, if not all, of my divorce
     priorities?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Is anything missing from the agreement that's worth the
     cost and the time involved in continued negotiations?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Is the agreement fair? Is the agreement in my</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
     mso-fareast-font-family:&quot;Times New Roman&quot;">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><a href="http://www.divorcemag.com/articles/Parenting_and_Step-Families/"><span style="mso-bidi-font-size:11.0pt;color:blue">children's best interest</span></a>?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Can I afford the agreement?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Given what I know now about my legal rights and
     responsibilities, the value of the marital property that my spouse and I
     own, and how my divorce is affecting my children, am I likely to get more
     if I reject the proposal?</span><span style="font-size:4.5pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Is my spouse likely to make any additional concessions
     if we continue negotiating?</span><span style="font-size:4.5pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">How much have I already spent on my case, and can I
     afford to spend any more?</span><span style="font-size:4.5pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Am I willing to take the offer just to end this
     protracted and expensive legal process?</span><span style="font-size:4.5pt;
     font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Given what I know about the judge and his or her past
     rulings, am I likely to do better if I go all the way to trial than if I
     were to accept what my spouse is offering? What is the worst that could
     happen? (Your attorney should be able to give you a strong sense of how a
     judge would be likely to rule on your case given your state's laws and
     guidelines and the past decisions of the judge who's likely to preside
     over your divorce trial.)</span><span style="font-size:4.5pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">If I really push for whatever is missing, what may I
     have to give up in order to get it? Is it worth it to me? What are the
     risks of not settling now?</span><span style="font-size:4.5pt;font-family:
     &quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">If I don't settle now, how long will it take for this
     case to come to trial and how long is the trial likely to last?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">Do I not want to settle yet because I'm unhappy with
     the agreement, because I'm not sure that I can live up to the agreement,
     or because my emotions are getting in the way?</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
 <li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:
     auto;line-height:normal;mso-list:l4 level1 lfo8;tab-stops:list .5in"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;">What kind of financial and emotional toll is not
     settling likely to take on my children and me? Discuss the pros and cons
     of whatever agreement you're evaluating with your attorney. Share your
     thoughts and concerns with him or her and find out what your attorney
     thinks. Your attorney may tell you that what your spouse has offered is
     about as good as you're going to get, that you can probably get a few more
     concessions if you keep negotiating, or that you should not accept what
     your spouse is offering because it's not in your best interest. In the
     end, however, it's your call whether to accept the offer or not.</span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
     &quot;Times New Roman&quot;"><o:p></o:p></span></li>
</ul>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Settling disputes at a settlement conference</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
If your divorce is very complicated and contentious and you and your spouse
both feel as if you have at least the beginnings of an agreement, your
attorneys may schedule a</span><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">settlement conference</span></i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">to try to work out the issues that are
unresolved. The</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><a href="http://www.divorcemag.com/articles/Divorce_Settlement_Preparation/"><span style="mso-bidi-font-size:11.0pt;color:blue">settlement</span></a></span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">conference usually takes place at one of the
attorneys' offices and usually occurs after the discovery process is complete.
However, the conference can take place whenever you and your spouse are ready
to make a deal. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">The settlement
conference offers your attorneys an opportunity to sit down face to face to
hammer out the final specific details of your divorce agreement. You and your
spouse may or may not participate. Before the settlement conference, you should
talk with your attorney about whether you should attend. It may or may not be
in your best interest if your divorce is contentious or if you have a hard time
keeping your emotions under control. But you may want to be there so that you
can hear everything that's said at the settlement conference and so that you
can provide your attorney with immediate feedback. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">A successful settlement
conference involves some old-fashioned horse-trading. So, if you haven't been
clear with your attorney about your divorce priorities and what you're willing
to give up to get them, your attorney will not be able to bargain effectively
for you. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Don't get impatient with
all the back-and-forth negotiations. Getting all the terms of your divorce
agreement just right is essential because, after you and your spouse sign it
and file it with the court, the agreement becomes a legally binding contract,
which means that you must live up to what it says, like it or not. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">If you and your spouse
simply cannot agree on something, no matter how hard your attorneys try to
craft a mutually acceptable compromise, they may recommend mediation or even
arbitration. If you don't want to give these options a try and you don't want
to keep negotiating, either, your only other option -- assuming that you and
your spouse still want to get divorced -- is to have your case tried in court. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Making a deal: The final settlement</span></b><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><br />
After you and your spouse have a final divorce agreement (or final settlement
agreement) detailing the terms of your divorce, your lawyer or your spouse's
lawyer drafts a formal document stating everything you agreed to. The final
agreement includes a lot of standard provisions and boilerplate language --
stuff that's in every settlement agreement. Whichever attorney does the
drafting submits the agreement to the other attorney for review. The other
attorney may make some minor tweaks to the agreement but, at this point, no
substantive changes should occur. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">After you sign the
settlement agreement, depending on your state, you and your spouse (or just one
of you) may have to appear at a court hearing in order to have a judge
officially dissolve your marriage. In other states, a hearing takes place only
if your divorce is a fault divorce. If a hearing is scheduled, it's more of a
formality than anything else, and it won't last long. Your attorney will attend
the hearing with you. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:#D76B00">Concluding Your Divorce: Filing the Divorce Decree</span></b><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">After your attorney (or
your spouse's attorney) submits your final divorce settlement agreement to the
judge, the court reviews its terms. Then, the judge signs your divorce decree
(a final judgment of divorce). </span><span style="font-size:4.5pt;font-family:
&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">State by State:</span></b><span style="font-size:10.0pt;
mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Some states allow judges to modify negotiated settlement
agreements. Others allow judges to only accept or reject an agreement. If the
judge rejects your agreement, you can go back to the drawing board to work out
a new, more acceptable one. A judge may reject your agreement because he or she
doesn't think it's fair to one or both of you, because it's unenforceable or
violates your state's laws, or because it isn't in the best interests of your
minor children, among other reasons. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">After the judge approves
or modifies your settlement, he or she returns your</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">divorce decree</span></i><span style="font-size:
10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">to your attorney who, in turn, forwards the decree to your
spouse's attorney. At that point, you and your spouse have a certain amount of
time to review and, if necessary, appeal the court's judgment (usually ten
days). </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Realistically, unless
you have a last-minute change of heart or unless the judge makes changes to
your divorce agreement that you don't like, an immediate appeal is unlikely.
However, you or your spouse may try to get something changed later after you've
had a chance to live with the agreement and have identified problems with it or
if changes occur that merit a modification. </span><span style="font-size:4.5pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">You and your spouse
become officially divorced when the judge signs your divorce decree or</span><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">judgment of divorce</span></i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black">and enters it together with your final
settlement agreement into the court records. </span><span style="font-size:
4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><o:p></o:p></span></p>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">Tip:</span></b><span style="font-size:10.0pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Keep a copy of your
final settlement agreement and your divorce decree in a safe place. You may
need it if you have to prove that you're divorced, if any questions arise about
what you and your spouse agreed to, or if you want to change something in your
divorce agreement later. </span><span style="font-size:4.5pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black"><o:p></o:p></span></p>

<div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:normal"><span style="font-size:4.5pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">

<hr size="2" width="100%" align="center">

</span></div>

<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">John Ventura is a bestselling author, attorney, and a national
authority on consumer financial and legal problems. Mary Reed is the founder of
Mary Reed Public Relations. This article has been edited and excerpted from
their book</span></i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;
font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">&nbsp;</span><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">Divorce for Dummies</span><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">(Second Edition, Wiley
Publishing, @ 2005). This material is used by permission of John Wiley &amp;
Sons, Inc. The book is available at&nbsp;</span></i><span style="font-size:
10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black"><a href="http://www.amazon.com/Divorce-Dummies-Psychology-Self-Help/dp/0764584170/ref=sr_1_1?ie=UTF8&amp;s=books&amp;qid=1222196436&amp;sr=8-1" target="_blank"><i><span style="mso-bidi-font-size:11.0pt;color:blue">Amazon.com</span></i></a></span><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">&nbsp;or&nbsp;</span></i><span style="font-size:10.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;;color:black"><a href="http://www.wiley.com" target="_blank"><i><span style="mso-bidi-font-size:11.0pt;color:blue">www.wiley.com</span></i></a></span><i><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;
mso-fareast-font-family:&quot;Times New Roman&quot;;color:black">.</span></i><span style="font-size:12.0pt;font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;mso-fareast-font-family:
&quot;Times New Roman&quot;"><o:p></o:p></span></p>

<div class="MsoNormal" align="center" style="margin-bottom:0in;margin-bottom:.0001pt;
text-align:center;line-height:normal"><span style="font-size:4.5pt;mso-bidi-font-size:
11.0pt;font-family:&quot;Arial&quot;,&quot;sans-serif&quot;;mso-fareast-font-family:&quot;Times New Roman&quot;;
color:black">

<hr size="2" width="100%" align="center">

</span></div>

<p class="MsoNormal"><o:p>&nbsp;</o:p></p></b></font><p></p></div></b></font><p></p><p></p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/working_with_your_attorney_to.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/working_with_your_attorney_to.html</guid>
         <category></category>
         <pubDate>Thu, 08 Jul 2010 13:47:33 -0800</pubDate>
      </item>
      
      <item>
         <title>Post-Divorce Dating Advice For Guys</title>
         <description><![CDATA[<img alt="Dating.png" src="http://www.pasadenalawblog.com/Dating.png" width="312" height="300" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p>You've already met with your family lawyer in Pasadena. You've gotten rid of <em>her</em> floral print love seat. You've moved into a respectable single man's apartment. You've gotten a new wardrobe. So when is it time to start dating again?</p>

<p>According to psychologists Sam Buser and Glen Sternes, authors of  the book <em>The Guys-Only Guide to Getting Over Divorce and on with Life, Sex and Relationships, </em>men have to look at themselves first before they start dating again. Buser and Sternes recommend the same type of self-investigation process that women traditionally go through after a break-up. The pair says it is essential that a man be "truly over her" before running to the arms of another woman. The impulse, the doctors say, is for men to hop into a relationship before actually looking at what went wrong in their previous marriage.</p>

<p>"<a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">Divorce </a>is one of the most painful experiences in our lives," Buser says. "And the natural instinct is to look to women as an antidote." Instead,  Buser and Sternes advise that men ask themselves a series of honest questions to determine if they are ready to start dating or not. Questions like, "Have you stopped being pre-occupied with thoughts of your previous marriage or divorce" are included in the book to help men to address their emotional issues honestly.</p>

<p>Another issue facing newly-divorced men facing the dating scene is fear. Clinical psychologist Michael S. Broder says that fear keeps men and women alike from re-entering the dating world. "It can be fear of being hurt, rejected or involved, and it can stem from a history of having been hurt or of traumatic relationships," says Broder. He agrees with Buser and Sternes that looking inward can help conquer fear as well as foster a healthy dating life. Seeking out a support group or relying on male friends who have been <a href="http://pasadenadivorce.com/Practice_Areas/Divorce.aspx">divorced </a>is a good way for newly-single men to sound off about their dating concerns. An open dialogue with others will help erase some of the fear and anxiety that often surrounds dating.</p>

<p>Lastly, when dating, Buser and Sternes tell guys to stay true to who they are, adding that "Being yourself means taking a little time to get to know yourself."</p>

<p>______________________________________________________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/post-divorce_dating_advice_for.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/post-divorce_dating_advice_for.html</guid>
         <category></category>
         <pubDate>Wed, 07 Jul 2010 21:32:11 -0800</pubDate>
      </item>
      
      <item>
         <title>Burning Questions About Restraining Orders</title>
         <description><![CDATA[<img alt="pen and paper.jpg" src="http://www.pasadenalawblog.com/pen%20and%20paper.jpg" width="203" height="257" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /><p>Many times when people are seeking divorce advice in Pasadena, they are also wondering how to file a restraining order. We see couples in the news like Mel Gibson and ex-girlfriend Oksana Grigorieva file dueling restraining orders. We hear about everyone from Los Angeles Mayor Antonio Villaraigosa to reality TV star Jack Osbourne filing <a href="http://pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">restraining orders</a> against harassing parties. Yet what do we actually know about restraining orders and how to file them?</p>

<p>First off, when should we file a <a href="http://pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">restraining order</a>? According to the LAPD's website, restraining orders are there to protect victims of civil and <a href="http://pasadenadivorce.com/Practice_Areas/Domestic_Violence.aspx">domestic abuse</a> and/or violence -- so people who feel threatened or fear that abuse will continue should file restraining orders right away.  On the other side of this, restraining orders shouldn't be filed simply out of spite or revenge. In California, restraining orders are reviewed carefully and judges do not look favorably on restraining orders that are a waste of time.</p>

<p>Next, which type of restraining order needs to be filed? There are several different types of restraining orders that an individual can file. A <a href="http://www.pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">Civil Harassment Restraining Order</a> is used to prevent harassment from neighbors, coworkers or other acquaintances, while a Domestic Violence Protective <a href="http://www.pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">Restraining Order</a> is a temporary measure that protects applicants for three weeks up to three years. Criminal Protective Orders, on the other hand, must be issued by a California District Attorney and pertain exclusively to active domestic violence cases. Finally, <a href="http://www.pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">Emergency Protective Orders</a> are issued by law enforcement agents and valid up to five days. Talk to your family attorney in Pasadena to figure out which kind of restraining order may be right for you.</p>

<p>What happens after the restraining order has been filed? Again, the point of restraining orders is to provide peace for the person who filed; legally, contact from the harassing party must stop immediately. Violation of a <a href="http://www.pasadenadivorce.com/Practice_Areas/Restraining_Orders.aspx">restraining order</a> can mean jail time or further legal action from law enforcement. Communication after restraining orders have been filed is key. Letting close friends, your attorney, your family and, most importantly, the police, know if the respondent has contacted you is vital.</p>

<p>In the end, restraining orders aren't just juicy topics for tabloid fodder. They are a last resort legal action to be taken quiet seriously. If a you are being harassed, contact a family attorney in Pasadena to see if you need to file a restraining order.</p>

<p>__________________________________________________</p>]]></description>
         <link>http://www.pasadenalawblog.com/2010/07/burning_questions_about_restra.html</link>
         <guid>http://www.pasadenalawblog.com/2010/07/burning_questions_about_restra.html</guid>
         <category></category>
         <pubDate>Tue, 06 Jul 2010 21:57:06 -0800</pubDate>
      </item>
      
   </channel>
</rss>
