Generated by All in One SEO Pro v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # Midgett Preti Olansen Trust & Estate Law Firm In Virginia Beach ## Sitemaps - [XML Sitemap](https://mpopc.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://mpopc.com/blog) - Read articles about corporate law, estate planning law, Probate law, etc., crafted by Midgett Preti Olansen, a top law firm in Virginia Beach. - [The Use Of Disclaimers In Estate Planning](https://mpopc.com/blog/the-use-of-disclaimers-in-estate-planning) - How can you decide on the right guardian and conservator? Find out by reading the Midgett Preti Olansen blog or contacting our Virginia law firm. - [Guide to the Probate Process and How It Works](https://mpopc.com/blog/probate-process-guide) - Probate in Virginia can quickly become complex, especially with a large estate. Learn more about the process and how Midgett Preti Olansen PC can help. - [The Insolvent Probate Estate](https://mpopc.com/blog/insolvent-probate-estate) - What is an insolvent probate estate? Midgett Preti Olansen explains more in our blog post. Call our Virginia Beach law firm for legal advice. - [How Should I Plan My Out-of-State Real Estate Upon Death?](https://mpopc.com/blog/how-should-i-plan-for-my-out-of-state-real-estate-upon-my-death) - Midgett Preti Olansen offers legal advice for estate planning and probate. Here's what you should know about planning for out-of-state property. 757-687-8888 - [When To Use a Will & The Benefits of Doing So](https://mpopc.com/blog/when-to-use-a-will) - Revocable living trusts or wills - which one should you use? Check out this guide from Midgett Preti Olansen for more details on estate planning. - [Understanding The Benefits of a Bloodline Trust](https://mpopc.com/blog/understanding-the-benefits-of-a-bloodline-trust) - Setting up trusts is an important component of estate planning. Learn about bloodline trusts and decide if one is right for you. - [Special Needs Trust: What Are They and How Do They Work?](https://mpopc.com/blog/concurrent-elections-ok-estates-1) - Discover the benefits of special needs trusts and how they work to protect your loved one's financial well-being in this blog. - [How Estate Planning Works](https://mpopc.com/blog/estate-planning-with-life-insurance-annuities-and-trusts) - Midgett Preti Olansen has experienced estate planning lawyers to help secure your future. Learn more about life insurance, annuities, and trusts. - [Termination and Modification of Irrevocable Trusts](https://mpopc.com/blog/an-introduction-to-modification-and-termination-of-irrevocable-trusts) - Midgett Preti Olansen is a Virginia estate planning law firm. Here's what you need to know about terminating and modifying irrevocable trusts. - [Estate Planning With Addiction or Mental Health Issues](https://mpopc.com/blog/planning-when-loved-ones-have-addiction-or-mental-health-issues) - Midgett Preti Olansen is a trust and estate law firm in Virginia Beach. Read our blog post on estate planning when loved ones have an addiction. - [Planning Your Estate: It's Not Just About Taxes](https://mpopc.com/blog/planning-your-estate-it-not-just-about-taxes) - Midgett Preti Olansen has a team of knowledgeable estate planning lawyers in Virginia. Here's what you should know about planning your estate. - [Why Set Up a Trust for Your Grandchildren?](https://mpopc.com/blog/why-set-up-a-trust-for-your-grandchildren) - Setting up a trust for grandchildren will benefit them while providing peace of mind for you. Find out more by contacting Midgett Preti Olansen today. - [Labor Department Withdraws Independent Contractor Rule](https://mpopc.com/blog/labor-department-withdraws-employee) - Wondering about employees vs. independent contractors? Midgett Preti Olansen can answer your questions. Read our blog or call 757-687-8888. - [Key Provisions of the Tax Cuts and Jobs Act](https://mpopc.com/blog/key-provisions-of-tax-cuts-part-i) - Midgett Preti Olansen has details on the key provisions of the Tax Cuts and Jobs Act. Read our blog or get in touch with our Virginia lawyers. - [Planning for Education Expenses](https://mpopc.com/blog/planning-for-education-expenses) - Need help planning for education expenses? Check out family resources from the dedicated legal team at Midgett Preti Olansen in Virginia Beach. - [FMLA and Emergency Paid Sick Leave Changes on April 2nd](https://mpopc.com/blog/changes-to-the-fmla) - Changes to the FMLA and emergency paid sick leave to become effective in April. Is your business prepared? Here is what you should know. - [Reasons Why You Should Hire a Professional Executor](https://mpopc.com/blog/reasons-why-you-should-hire-a-professional-executor) - Establishing an estate plan requires naming a professional executor to manage your assets once you are gone. Here are the reasons to hire a professional. - [Executive Compensation Plans For Employees Explained](https://mpopc.com/blog/executive-compensation-plan-options) - Corporate lawyers at Midgett Preti Olansen can help with executive compensation plans for VA employees. Read our blog or call 757-687-8888 today. - [Can a Beneficiary Have Money Withheld by a Trustee?](https://mpopc.com/blog/trustee-withhold-money-from-a-beneficiary) - As the beneficiary of a trust, you have rights and may be able to sue a trustee under certain circumstances. We can help. - [Must Retirement Accounts Be Used to Pay Debts After Death?](https://mpopc.com/blog/must-retirement-accounts-be-used-to-pay-the-account-owner-debts-after-death) - Are retirement accounts used to pay debts after death? The estate and trust lawyers at Midgett Preti Olansen can answer all your questions. - [What is the Difference Between Intestate and Testate?](https://mpopc.com/blog/difference-between-intestate-vs-testate) - A will lets you direct what happens to your assets after you are gone. Without a will, Virginia law decides what will happen. We help with Estate Planning in VA - [If You Die Without a Will What Happens to Your Assets?](https://mpopc.com/blog/what-happens-to-your-assets-if-you-die-without-a-will) - What happens if you die without a will? Midgett Preti Olansen has the answer. Learn more from our estate planning lawyers in Virginia Beach. - [Transferring a Property With a Mortgage Into a Trust](https://mpopc.com/blog/transfer-a-property-with-a-mortgage-to-a-trust) - Many people opt to put their homes into a trust. What do you do if you are still paying off a mortgage? Learn how to handle this situation. - [What is the Difference Between Trustee, Executor, and Power of Attorney?](https://mpopc.com/blog/what-is-the-difference-between-trustee-executor-and-power-of-attorney) - Understand trustees, executors, and powers of attorney: their duties in asset management, estate handling, and decision-making for others. Call 757-687-8888! - [Crypto Assets Estate Planning in Virginia](https://mpopc.com/blog/estate-planning-for-crypto-assets) - Digital assets like cryptocurrency present unique issues in the estate planning process. Your heirs must be able to locate and access your crypto assets. - [Transferring a Guardianship to Another State](https://mpopc.com/blog/transferring-a-guardianship-to-another-state) - How do you transfer guardianship to another state? Midgett Preti Olansen can walk you through the process. Call our Virginia law firm today. - [DIY Estate Planning is No Bargain](https://mpopc.com/blog/diy-estate-planning-is-no-bargain) - When protecting your assets, why take the risk of DIY estate planning? Let the attorneys with Midgett Preti Olsen help instead. - [Can a Trustee Sue a Beneficiary?](https://mpopc.com/blog/can-a-trustee-sue-a-beneficiary) - Learn about the rules for trustees, including how to sue a beneficiary and how Midgett Preti Olansen can help. #TrustAdministration - [Understanding Intestate Succession and What It is](https://mpopc.com/blog/what-is-intestate-succession) - Inheriting property can lead to a number of challenges for you and the other co-owners. The UPHPA is meant to help. Find out more here. - [Top Reasons for Disputing a Trust in Virginia](https://mpopc.com/blog/reasons-for-disputing-a-trust) - Creating a trust or disputing one requires you to undergo certain legal requirements. Contact our estate planning attorneys today forn help. - [How an Asset Protection Trust Protects Your Assets](https://mpopc.com/blog/asset-protection-trust-benefits) - You have worked hard to build your assets and wealth. Learn how to set up an asset protection trust in Virginia to protect them. - [Setting Every Community Up for Retirement Enhancement Act](https://mpopc.com/blog/secure-act) - What is the SECURE Act? Midgett Preti Olansen Law Office explains the Setting Every Community Up for Retirement Enhancement Act signed in 2019. - [A Comprehensive Guide to Virginia Estate Planning](https://mpopc.com/blog/an-estate-planning-primer) - Estate planning can quickly become complex. Learn how an experienced and knowledgeable Virginia estate planning attorney can streamline the process. - [Are Powers of Attorney Responsible for Medical Bills?](https://mpopc.com/blog/is-power-of-attorney-responsible-for-nursing-home-bills) - Becoming a power of attorney for another brings with it various responsibilities. Here is what you need to know about paying medical bills. - [VA Aid and Attendance: The Basics](https://mpopc.com/blog/va-aid-and-attendance-the-basics) - How does VA Aid and Attendance work? Midgett Preti Olansen is a boutique Virginia law firm with details on Veterans Administration benefits. - [Are Irrevocable Trusts Truly Irrevocable?](https://mpopc.com/blog/are-irrevocable-trusts-truly-irrevocable) - Are irrevocable trusts truly irrevocable? Read this helpful guide from Midgett Preti Olansen to learn more about estate planning in Virginia. - [How Often Should I Update My Will in Virginia?](https://mpopc.com/blog/how-often-should-i-update-my-will) - Knowing when to update your will is imperative, especially if you experience life changes. Contact our dedicated estate planning attorneys to find out more. - [Are You Responsible for Your Deceased Spouse’s Medical Bills?](https://mpopc.com/blog/are-you-responsible-for-the-payment-of-your-deceased-spouses-medical-bills) - Discover what happens to your spouse's medical bills after they pass away and whether you're liable for paying them. Contact us today for more information - [Domestic Partners Estate Planning in Virginia](https://mpopc.com/blog/domestic-partners-estate-planning) - Domestic partnerships benefit from estate planning, starting with a will as a protective measure. Find out more by visiting our website. - [Adult Guardianships and Conservatorships in Virginia](https://mpopc.com/blog/adult-guardianships) - Midgett Preti Olansen is a boutique law firm in Virginia Beach. Check out our detailed introduction to adult guardianships and conservatorships. - [Termination or Modification of a Guardianship in Virginia](https://mpopc.com/blog/when-circumstances-change) - Midgett Preti Olansen is a trusted law firm handling estate planning in Virginia. Read more about termination or modification of guardianship. - [CTA Enforcement Temporarily Halted: Federal Court Issues Nationwide Injunction - December 2024 Update](https://mpopc.com/blog/cta-enforcement-halted-court-injunction) - CTA Enforcement Temporarily Halted: Federal Court Issues Nationwide Injunction – December 2024 Update - [Why Everyone Needs an Estate Plan](https://mpopc.com/blog/why-everyone-needs-an-estate-plan) - What is an estate plan and does everyone need one? Read this Midgett Preti Olansen blog post to learn more about Virginia Beach estate planning. - [How To Fund Revocable Trusts At Death And Avoid Probate](https://mpopc.com/blog/how-to-fund-revocable-trusts-at-death-and-avoid-probate) - If you want to avoid probate, it's worth knowing how to fund revocable trusts at death. Read more from Midgett Preti Olansen in Virginia Beach. - [Personal Liability for Debts of a Deceased Family Member](https://mpopc.com/blog/personal-liability-for-debts-of-a-deceased-family-member) - Are you personally liable for a loved one's debt after they pass away? Virginia estate planning lawyers at Midgett Preti Olansen have an answer. - [Avoid Strife When Estate Planning for Blended Families](https://mpopc.com/blog/estate-planning-for-blended-families) - Midgett Preti Olansen helps with estate planning for blended families. Call our Virginia Beach law office at 757-687-8888 to discuss your case. - [Wills, Trusts & Estate Planning: Frequently Asked Questions](https://mpopc.com/blog/frequently-asked-questions) - Midgett Preti Olansen is a reputable Virginia Beach law firm handling estate planning, trusts and taxation. View our frequently asked questions. - [Individual Tax Relief Provided by the CARES Act](https://mpopc.com/blog/individual-tax-relief-provided-by-the-cares-act) - Midgett Preti Olansen is an estate and trust law firm serving Virginia and North Carolina. Read about individual tax relief by the CARES Act. - [Understanding Charitable Trusts](https://mpopc.com/blog/understanding-charitable-trusts) - What is a Charitable Trust? Read this guide from Midgett Preti Olansen to learn more about smart estate planning in Virginia and North Carolina. - [Aretha Franklin’s Death Raises Issue of Dying Without a Will](https://mpopc.com/blog/aretha-franklin-death-raises-issue-of-dying-without-a-will) - What happens if you die without a will? The estate planning team at Midgett Preti Olansen explains how Aretha Franklin passed without a will. - [How Much Does A Simple Will Cost?](https://mpopc.com/blog/how-much-for-a-simple-will) - Looking to set up a simple will? Here is how much it will likely cost you to do so. Contact the estate planning attorneys at MPO for more information. - [A Special Trust For The Successful Child](https://mpopc.com/blog/a-special-trust-for-the-successful-child) - Can you set up a special trust for a financially successful child? The VA estate planning lawyers at Midgett Preti Olansen are here to help. - [So You Don’t Think You Need A Will](https://mpopc.com/blog/so-you-don-t-think-you-need-a-will) - Not sure if you need a will? Contact Midgett Preti Olansen to discuss the advantages of wills and professional estate planning in Virginia Beach. - [What You Should Know About Limited Liability Companies](https://mpopc.com/blog/what-you-should-know-about-limited-liability-companies) - Thinking about creating an LLC? Midgett Preti Olansen has the details on limited liability companies in Virginia and North Carolina. See more. - [How Long Do Creditors Have to Make a Claim Against an Estate](https://mpopc.com/blog/how-long-do-creditors-have-to-make-a-claim-against-an-estate) - Explore the time limits creditors have to make claims on estates. Understand legal timelines and protect your inheritance. - [CFO Liable for Uncollected Payroll Taxes](https://mpopc.com/blog/cfo-liable-for-uncollected-payroll-taxes) - Got questions about corporate tax law? Midgett Preti Olansen in Virginia Beach can help. Read our blog post on payroll tax or contact us today. - [More Disaster Victims in Virginia Qualify for Tax Relief](https://mpopc.com/blog/more-disaster-victims-in-virginia-qualify-for-tax-relief) - Victims of severe storms and flooding in federal disaster areas often qualify for tax relief. Learn more from Midgett Preti Olansen in Virginia. - [Tax Benefits from Charitable Contributions Without Itemizing](https://mpopc.com/blog/how-older-taxpayers-can-gain-a-tax-benefit) - Midgett Preti Olansen handles estate planning, corporate, and taxation law in VA. Read our blog post on tax benefits for older charitable givers. - [Make Sure to Check the E-File Status of Your Tax Return](https://mpopc.com/blog/make-sure-to-check-the-efile-status-of-your-tax-return) - Midgett Preti Olansen is a taxation, corporate, and estate planning law firm. Here's why you should check the e-file status of your tax return. - [Dealing with Social Security during a Disability](https://mpopc.com/blog/dealing-with-social-security-during-a-disability) - Read our guide on how to deal with social security during a disability. For additional information, contact our attorneys today. - [Coronavirus Updates](https://mpopc.com/blog/coronavirs-covid19-advisory) - Midgett Preti Olansen is committed to providing professional legal services to our Virginia Beach community. Read our coronavirus updates. - [How To Find A Competent Estate Planning Attorney](https://mpopc.com/blog/how-to-find-a-competent-estate-planning-attorney) - Midgett Preti Olansen is a boutique estate and trust law firm based in Virginia Beach. Here's how to find a competent estate planning attorney. - [New Law Relaxing PPP Loan Forgiveness Rules](https://mpopc.com/blog/new-law-relaxing-ppp-loan-forgiveness-rules) - Midgett Preti Olansen is a Virginia law firm handling payroll, tax, and estate matters. Read about a new law relaxing PPP loan forgiveness rules. - [Know the Signs of an Employee Retention Credit Scam](https://mpopc.com/blog/signs-of-an-employee-retention-credit-scam) - When it comes to ERC scams there are signs to watch out for. Read our informative guide here to learn about these warning signs. - [Creditor Protection: How Married Couples Should Own Assets?](https://mpopc.com/blog/creditor-protection) - How should married couples own assets? Midgett Preti Olansen has details on creditor protection in Virginia and North Carolina. Read more. - [Family Limited Partnerships & How They Work](https://mpopc.com/blog/family-limited-partnerships) - How do family limited partnerships work? Read this detailed guide from Midgett Preti Olansen or call our Virginia Beach law office to learn more. - [How to Make Money with Your Life Insurance Policy](https://mpopc.com/blog/how-to-make-money-with-your-life-insurance-policy) - Midgett Preti Olansen is a boutique estate and trust law firm in Virginia Beach. Learn how to make money with your life insurance policy. - [House Passes Bill Relaxing PPP Loan Forgiveness Requirements](https://mpopc.com/blog/house-passes-bill-relaxing-ppp-loan-forgiveness-requirements) - PPP loan forgiveness requirements have been relaxed. Get the details from Midgett Preti Olansen, a boutique corporate law firm in Virginia Beach. - [Beneficiary Designation for Federal Group Life Insurance](https://mpopc.com/blog/beneficiary-designation-for-federal-group-life-insurance) - Midgett Preti Olansen is led by Virginia estate planning and corporate lawyers. Review beneficiary designation for federal group life insurance. - [Treasury Issues the PPP Loan Forgiveness Application](https://mpopc.com/blog/treasury-issues-the-ppp-loan-forgiveness-application) - Midgett Preti Olansen has a team of tax lawyers ready to assist. Read our law firm's blog about the Treasury's PPP Loan Forgiveness Application. - [Why to Create a Supplemental Needs Trust After Settlement](https://mpopc.com/blog/concurrent-elections-ok-estates) - Curious about corporate tax law? Let the estate planning attorneys at Midgett Preti Olansen help. Get in touch with our Virginia Beach office. - [Doing Business Under a Fictitious Name](https://mpopc.com/blog/doing-business-under-a-fictitious-name) - What are the rules to doing business under a fictitious name in Virginia? Get more info from trusted corporate lawyers at Midgett Preti Olansen. - [Frequently Asked Probate Questions](https://mpopc.com/blog/frequesntly-asked-probate-questions) - Midgett Preti Olansen handles probate, wills, and estate planning in Virginia and North Carolina. Here are frequently asked probate questions. - [IRS Collection Alternatives Overview](https://mpopc.com/blog/irs-collection-alternatives-overview) - Midgett Preti Olansen is a Virginia Beach law office practicing estate, taxation, and corporate law. Read about IRS collection alternatives. - [IRS Installment Agreements](https://mpopc.com/blog/irs-installment-agreements) - Midgett Preti Olansen outlines IRS installment agreements on our website. Learn more from our Virginia law firm or get help at 757-687-8888. - [Powers of Attorney: A Look at the Basics](https://mpopc.com/blog/powers-of-attorney-a-look-at-the-basics) - Midgett Preti Olansen is a Virginia Beach law office handling tax, corporate and estate planning law. Check out our guide to powers of attorney. - [Sometimes The Devil Is In The Details](https://mpopc.com/blog/sometimes-the-devil-is-in-the-details) - Experienced estate planning lawyers are highly detail-oriented. Learn more about Midgett Preti Olansen, a law office based in Virginia Beach. - [The Irrevocable Life Insurance Trust](https://mpopc.com/blog/the-irrevocable-life-insurance-trust) - What is an irrevocable life insurance trust? Read more from the estate planning lawyers at Midgett Preti Olansen or call our Virginia law office. - [Power of Attorney Fiduciary Duties](https://mpopc.com/blog/fiduciary-duties-of-a-power-of-attorney) - A power of attorney creates significant fiduciary duties, such as the duties of care and loyalty. Breaching these duties can result in liability for damages. ## Pages - [Home](https://mpopc.com/) - Midgett Preti Olansen is one of the top-rated trust & estate law firms in VA rated by Best Lawyers 2021. Book your consultation today at (757)687-8888. - [About Us](https://mpopc.com/about) - Midgett Preti Olansen PC law firm is focused on assisting clients in the area of trust and estate law since 1999. Book your consultation at (757)687-8888 - [Job Opportunities](https://mpopc.com/job-opportunities) - Become a part of the Midgett Preti Olansen family by joining a top trust and estate law firm in Virginia Beach. For details contact us at 757-687-8888 - [Contact Us](https://mpopc.com/contact) - We would love to assist you with your legal needs. Contact us by filling out the contact form or calling us at 757-687-8888 for a consultation. - [Sitemap](https://mpopc.com/sitemap) - Browse our sitemap for a structured overview of the Midgett Preti Olansen site's content—a quick guide to all our website pages, posts, and services. - [Terms and Conditions](https://mpopc.com/terms-and-conditions) - Dive into our terms and conditions to understand the guidelines, disclaimer, and rights governing our platform's use for the Midgett Preti Olansen site. - [Privacy Policy](https://mpopc.com/privacy-policy) - Explore our privacy policy to understand how we collect and use your personal information on the Midgett Preti Olansen site. ## Attorneys - [Melissa N. Moser](https://mpopc.com/attorneys/melissa-n-moser) - Melissa N. Moser, Shareholder at Midgett Preti Olansen, specializes in estate planning, elder law, business law, nonprofit law, and tax law. - [Stephanie C. Smith](https://mpopc.com/attorneys/stephanie-c-smith) - Stephanie Smith serves as a Commissioner of Accounts for VA Beach Circuit Court, specializing in estate planning, trust management, and business affairs. - [Alison R. Zizzo](https://mpopc.com/attorneys/alison-r-zizzo) - Alison R. Zizzo is a shareholder & experienced trust and estate litigation attorney handling civil litigation, business disputes & contract dispute cases. - [Ann H. Larkin](https://mpopc.com/attorneys/ann-h-larkin) - Ann H. Larkin is a Certified Guardian Ad Litem for Incapacitated Adults handling cases like estate planning, trust administration, special needs planning, etc. - [Ashley E. Nimitz](https://mpopc.com/attorneys/ashley-e-nimitz) - Ashley E. Nimitz has an extensive experience, practiced in Estate Planning, Litigation, Trust & Estate Litigation, Estate & Trust Administration. - [Todd J. Preti](https://mpopc.com/attorneys/todd-j-preti) - Todd J. Preti is an experienced attorney in Midgett Preti Olansen PC, specialized in Corporate Law, Trusts & Estates law. Schedule your consultation today - [Payton D. Cromwell](https://mpopc.com/attorneys/payton-d-cromwell) - Payton D. Cromwell has 24 years of practice in estate planning and administration and supports all cases from simple to the most complex. - [LeeAnne C. Schocklin](https://mpopc.com/attorneys/leeanne-c-schocklin) - LeeAnne C. Schocklin, associate at Midgett Preti Olansen, focuses on trust and estate litigation, bringing experience in civil litigation matters. - [Nathan R. Olansen](https://mpopc.com/attorneys/nathan-r-olansen) - Nathan R. Olansen is a law practitioner specializes in estate planning, probate & trust administration, IRS etc. Schedule your consultation today. ## Services - [Estate and Trust Litigation](https://mpopc.com/services/estate-trust-litigation) - Learn about Estate & Trust Litigation, when and why a trust might be challenged, and how trust litigation lawyers at Midgett Preti Olansen can help 757) 742-6115 - [Corporate and Commercial Planning](https://mpopc.com/services/corporate-commercial-planning) - Midgett Preti Olansen offers experienced commercial lawyers serving diverse clients with all levels of their business planning needs. Reach out to us today. - [Estate Planning](https://mpopc.com/services/estate-planning) - Our professional estate planning attorney helps clients with trust and estate planning, wills, and estate probate needs. Schedule your consultation today. - [Estate and Trust Administration](https://mpopc.com/services/estate-trust-administration) - Trust & Estate Administration can be challenging and overwhelming. Seek the legal help and guidance of a Virginia Beach trust and estate attorney 757742-6115 - [Tax Resolution](https://mpopc.com/services/taxation) - Got a tax notice, owe back taxes or have unfiled tax returns? Our skilled tax lawyers provide help dealing with the IRS & Audits. Schedule a consultation today. - [General Litigation](https://mpopc.com/services/general-litigation) - Our general litigation attorneys provide quality and professional legal counsel in cases requiring a skilled litigator. Call now for a consultation. ## News - [John T. Midgett Wins Community Builder Award](https://mpopc.com/news/announcements/john-t-midgett-wins-community-builder-award) - John T. Midgett of Virginia Beach recently received the 13th annual Barron F. Black Community Builder award from the Hampton Roads Community Foundation. - [Coronavirus (COVID-19) Advisory](https://mpopc.com/news/announcements/coronavirus-covid-19-advisory) - Please call us at (757) 687-8888 if you have any questions or concerns, and above all, be safe.