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    <title>Important Questions to Ask Your Attorney When Filing for Divorce</title>
    <link>https://www.melderandmelder.com</link>
    <description>Why Melder &amp; Melder Should Be Your Top Choice for Legal Representation in Your Divorce Case</description>
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      <title>Important Questions to Ask Your Attorney When Filing for Divorce</title>
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      <title>Why a Will Is Important for Same-Sex Married Couples</title>
      <link>https://www.melderandmelder.com/why-a-will-is-important-for-same-sex-married-couples</link>
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           Marriage gives same-sex couples important legal rights, including inheritance protections under state law. However, those default protections do not always guarantee that your assets will go exactly where you want them to.
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           If you pass away without a will, Michigan law determines how your estate is divided. While your spouse may receive some or even most of your assets, the outcome depends on your specific circumstances and may not reflect your personal wishes. The state’s formula does not take into account the nuances of your family relationships, your intentions, or the promises you may have made to loved ones.
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           This becomes especially important if you:
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             Have children from a previous relationship
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             Own separate or premarital property
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             Want to leave money or meaningful belongings to other family members, friends, or charities
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            Have specific wishes about sentimental or high-value assets
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           Without clear instructions, these situations can create uncertainty—or even conflict—among surviving family members.
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           A will gives you control over these decisions. It allows you to:
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             Name your spouse as your primary beneficiary
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             Decide exactly who receives your home, financial assets, and personal belongings
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             Specify how and when assets are distributed
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             Choose an executor you trust to manage your estate and carry out your wishes
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            Name a guardian for minor children
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           For same-sex couples with blended families, a will is particularly important. It can clearly define what goes to your spouse and what goes to your children, helping to prevent confusion, disputes, or unintended disinheritance. This clarity can be invaluable during an already difficult time.
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           It is also important to understand that a will is just one part of a complete estate plan. To fully protect your spouse and ensure your wishes are honored during your lifetime as well as after your passing, you should also consider:
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             A financial power of attorney, which allows your spouse to manage your finances if you become unable to do so
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             A health care directive, which authorizes your spouse to make medical decisions on your behalf in an emergency
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            Beneficiary designations on retirement accounts and life insurance policies, which should be reviewed regularly to ensure they align with your overall plan
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           These documents work together to provide comprehensive protection. They not only safeguard your assets but also ensure that your spouse has the legal authority to act on your behalf when it matters most.
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           For same-sex married couples, thoughtful estate planning is about more than distributing property—it is about protecting your relationship, your family, and your legacy. Taking the time to put a plan in place can provide peace of mind and reduce stress for your loved ones in the future.
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           At Melder &amp;amp; Melder, P.C., we help same-sex married couples throughout Southeast Michigan create wills and estate plans tailored to their unique needs and goals. We are committed to helping you protect the people you love and ensure your wishes are clearly documented.
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            Contact
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           Melder &amp;amp; Melder, P.C.
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            today at (248) 541-3400 to schedule a free initial phone consultation.
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           Melder &amp;amp; Melder, P.C.
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           2304 East Eleven Mile Road
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           Royal Oak, Michigan 48067
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           Telephone: 
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           (248)-541-3400
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            or (800)-LAW-5454
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           Facsimile: (248)-541-6332
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      <pubDate>Sat, 04 Apr 2026 21:11:27 GMT</pubDate>
      <guid>https://www.melderandmelder.com/why-a-will-is-important-for-same-sex-married-couples</guid>
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    <item>
      <title>Spring Into a New Chapter: Same-Sex Marriage, and Name Changes</title>
      <link>https://www.melderandmelder.com/spring-into-a-new-chapter-same-sex-marriage-name-changes-and-protecting-your-future</link>
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           Spring is a season known for renewal, fresh beginnings, and new milestones. For many couples, it’s also one of the most popular times of year to get married. For same-sex couples, marriage represents not only a meaningful celebration of love but also an important legal step that provides valuable rights and protections.
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           If you’re planning a wedding this spring—or recently married—it’s a good time to understand the legal benefits of marriage and consider steps that can help protect your future, including name changes and estate planning.
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           Same-Sex Marriage and Legal Rights
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           In 2015, the U.S. Supreme Court’s decision in Obergefell v. Hodges established that same-sex couples have the constitutional right to marry nationwide. This landmark ruling ensured that same-sex marriages must be recognized in every state and that couples are entitled to the same legal benefits as any other married couple.
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           More recently, the Respect for Marriage Act strengthened those protections by requiring states to recognize legally performed same-sex marriages.
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           Because of these legal developments, married same-sex couples now have access to many important rights, including:
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            Joint ownership of property
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            Spousal inheritance rights
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            The ability to make certain medical decisions for a spouse
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            Access to retirement and Social Security benefits
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            The ability to file taxes jointly
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           While marriage provides these protections automatically, additional legal planning can help ensure your wishes are clearly documented.
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           Changing Your Name After Marriage
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           After getting married, some couples choose to adopt a shared last name, hyphenate their names, or create a new family name together. Same-sex couples have the same rights as any other married couple when it comes to changing their name.
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           The process generally begins with obtaining a certified copy of your marriage certificate. From there, you can update your name with several agencies and institutions, including:
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            The Social Security Administration
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            Your driver’s license or state ID
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            Banks and financial accounts
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            Insurance providers
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            Employers and payroll records
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           Ensuring your name is consistent across all documents can help prevent complications later, particularly when dealing with financial matters or legal documents.
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           Planning for the Future
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           Spring is a time for celebrating new beginnings, and for couples beginning a new chapter together, it can also be a great opportunity to think about long-term planning.
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           Taking steps such as completing a name change, creating a will, and establishing basic estate planning documents can help ensure that your relationship and your family are protected under the law.
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           At 
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           Melder &amp;amp; Melder Law Firm
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           , we assist individuals and couples with name changes, wills, and estate planning to help protect their rights and their future. If you are planning to marry or recently married, consulting with an experienced attorney can help ensure that your legal documents reflect your wishes and provide peace of mind for the years ahead.
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           Melder &amp;amp; Melder, P.C.
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           2304 East Eleven Mile Road
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           Royal Oak, Michigan 48067
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            Telephone:
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           (248)-541-3400
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            or (800)-LAW-5454
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           Facsimile: (248)-541-6332
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      <pubDate>Sat, 14 Mar 2026 14:17:04 GMT</pubDate>
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      <title>Planning for the Future: Expert Will and Probate Services in Royal Oak, MI</title>
      <link>https://www.melderandmelder.com/planning-for-the-future-expert-will-and-probate-services-in-royal-oak-mi</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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           When it comes to securing your legacy and ensuring your loved ones are cared for, having a well-drafted will and understanding the probate process are essential steps. If you are a resident of Royal Oak, MI, and are considering estate planning or need assistance navigating probate, expert legal guidance can make all the difference.
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           Why You Need a Will
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           A will is a vital legal document that clearly outlines how your assets will be distributed after your passing. Without a will, Michigan’s intestacy laws will determine who inherits your property, which may not align with your wishes. Creating a will helps:
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            Specify beneficiaries for your assets
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            Appoint guardians for minor children
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            Minimize family conflicts
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            Expedite the probate process
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           Understanding Probate in Michigan
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           Probate is the court-supervised process that authenticates your will, settles your debts, and distributes your estate. While probate can be complicated and time-consuming, having an experienced attorney by your side ensures that the process is handled efficiently and with minimal stress for your family.
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           How We Can Help
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           As a dedicated attorney serving Royal Oak, MI, I offer comprehensive will drafting and probate services tailored to your unique situation. My services include:
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            Drafting clear, legally sound wills
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            Establishing trusts and other estate planning tools
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            Guiding executors through the probate process
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            Resolving disputes related to wills or estates
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            Advising on estate tax implications
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           Peace of Mind for You and Your Family
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           Planning your estate and managing probate matters with professional legal support empowers you to safeguard your assets and care for your family’s future. If you are in Royal Oak or the surrounding areas, don’t wait to plan ahead. 
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           Contact Us Today
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            Ready to create a will or need assistance with probate?
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           Contact our Royal Oak office to schedule a consultation
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           . Together, we’ll develop a personalized plan that ensures your wishes are honored and your family protected.
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      <pubDate>Wed, 11 Feb 2026 23:32:26 GMT</pubDate>
      <guid>https://www.melderandmelder.com/planning-for-the-future-expert-will-and-probate-services-in-royal-oak-mi</guid>
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      <title>New Year, New Goals: Why Now Is the Perfect Time to Get Your Estate in Order</title>
      <link>https://www.melderandmelder.com/new-year-new-goals-why-now-is-the-perfect-time-to-get-your-estate-in-order</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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         As we begin 2026, it’s the perfect time to focus on goals that bring lasting benefits. While many people set resolutions around health or finances, one important resolution often overlooked is estate planning. Getting your estate in order now can provide peace of mind for you and security for your loved ones throughout the year and beyond.
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          At Melder &amp;amp; Melder, P.C., we know that estate planning is about more than just legal documents — it’s about protecting your family’s future. Whether you need to create a will, establish trusts, or plan for unforeseen circumstances, a comprehensive estate plan helps prevent complications and ensures your wishes are honored.
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           Why Prioritize Estate Planning in 2026?
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             Peace of Mind
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            : Beginning the year knowing your affairs are in order lets you focus on what truly matters to you.
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             Protect Your Loved Ones:
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            Avoid letting state laws decide your estate’s fate. With expert guidance from Melder &amp;amp; Melder, you can tailor your plan to safeguard family members and beneficiaries.
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             Avoid Probate Delays:
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            Proper planning can minimize probate court involvement, saving time and expense for your family.
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             Prepare for the Unexpected
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            : Powers of attorney and healthcare directives ensure your decisions are respected if you cannot speak for yourself.
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             How Melder &amp;amp; Melder Can Support You
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           Melder &amp;amp; Melder, P.C. bring decades of experience in estate planning, probate, and elder law. Our personalized service ensures your plan fits your unique needs and goals. From wills and trusts to elder care legal support, we provide a full range of services to protect your interests.
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           Start 2026 with Confidence
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           Make estate planning one of your priorities this year. Taking action now helps secure your family’s future and reduces stress in challenging times.
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              Contact us
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           to schedule a consultation and start the process of creating your estate plan.
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           Begin this new year by taking control of your future — because protecting your legacy is one of the best resolutions you can make.
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      <pubDate>Tue, 20 Jan 2026 23:10:55 GMT</pubDate>
      <guid>https://www.melderandmelder.com/new-year-new-goals-why-now-is-the-perfect-time-to-get-your-estate-in-order</guid>
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      <title>Navigating Winter Traffic Tickets in Michigan: What You Need to Know</title>
      <link>https://www.melderandmelder.com/navigating-winter-traffic-tickets-in-michigan-what-you-need-to-know</link>
      <description />
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         Winter in Michigan is beautiful with its snowy landscapes and festive spirit, but it also brings its share of challenges, especially on the roads. Slippery conditions caused by ice, snow, and freezing rain can significantly increase the risk of traffic violations and accidents. At Melder &amp;amp; Melder, we understand how a simple traffic ticket can quickly complicate your life during these harsh winter months. Here’s what Michigan drivers need to know about traffic tickets issued due to slippery road conditions—and how we can help.
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           Winter Driving Challenges in Michigan
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          Michigan winters are notorious for their unpredictable and treacherous road conditions. Ice patches, snow accumulation, and reduced visibility can make driving hazardous even for the most experienced motorists. Despite your best efforts, factors outside your control—like black ice or poor road maintenance—can lead to traffic violations such as speeding, reckless driving, or failure to maintain control of your vehicle.
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           Common Traffic Tickets in Winter
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          Speeding: Many tickets are issued when drivers fail to adjust their speed to suit slippery roads. Speed limits are set for ideal conditions, and driving over the limit in snow or ice can be unsafe and illegal.
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             Reckless or Careless Driving: When conditions are poor, any aggressive or distracted driving that leads to loss of vehicle control may result in tickets.
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            Failure to Yield or Stop: Slippery roads can cause longer stopping distances. Failing to yield or stop appropriately can lead to citations.
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            Accident-Related Citations: If a crash occurs, police may issue tickets if they believe negligence contributed to the incident.
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           Santa Has His Reindeer, You Just Have Your Car
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          The holiday season is a magical time, and while Santa can rely on his trusted reindeer to guide him safely through snowy skies, Michigan drivers must rely on their vehicles to navigate slippery, often unpredictable roads. Unlike Santa’s sleigh, your car isn’t designed to handle icy conditions without some extra care. This metaphor reminds us how important it is to respect winter road challenges, slow down, and drive cautiously.
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          Remember, your car’s safety depends largely on how you handle it in winter—not just what vehicle you drive. Taking responsibility behind the wheel can help you avoid traffic tickets and stay safe until spring.
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           Why You Should Take Traffic Tickets Seriously
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          Even seemingly minor tickets can have serious consequences. They often result in fines, increased insurance premiums, points on your license, and, in severe cases, license suspension. In Michigan, accumulating points during the winter months can compound the difficulties of driving safely, creating a cycle that’s hard to break.
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           How We Can Help
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          At Melder &amp;amp; Melder, we specialize in defending clients facing traffic tickets in Michigan, especially those arising from challenging winter conditions. Our experienced attorneys know how to investigate these cases thoroughly, including:
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           Reviewing police reports for accuracy
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            Examining weather and road condition records
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            Assessing vehicle maintenance and driving behavior
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            Negotiating with prosecutors to reduce or dismiss charges
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          If you receive a ticket due to slippery road conditions, don’t hesitate to reach out. We will work to protect your driving record and minimize the impact on your life.
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           Tips for Safer Winter Driving
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          While no lawyer wants you to get a ticket, prevention is always better than defense. Here are some tips for safer driving in Michigan winters:
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            Reduce your speed well below the posted limit during snow or ice.
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            Increase your following distance to allow plenty of stopping time.
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            Avoid sudden braking or lane changes.
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            Equip your vehicle with winter tires.
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            Stay informed about weather and road condition updates.
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          Winter traffic tickets are common in Michigan—but you don’t have to face them alone. If you’ve been ticketed or involved in an accident on slippery roads, let us help you navigate the legal process with confidence. Stay safe out there, and remember: When winter roads get slippery, smart legal help is just a call away. 
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             Contact us
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          for a consultation and take the first step toward protecting your rights and your driving privileges this winter season.
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      <pubDate>Tue, 16 Dec 2025 15:12:03 GMT</pubDate>
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      <title>I Live Out of State and My Parents Passed Away—Who Can Help Me?</title>
      <link>https://www.melderandmelder.com/i-live-out-of-state-and-my-parents-passed-awaywho-can-help-me</link>
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          Losing a parent is one of life’s hardest experiences. It can be especially overwhelming if you live out of state and need to handle the legal and practical responsibilities of settling your parents’ estate in Michigan. If you find yourself in this situation, Melder &amp;amp; Melder, P.C. is here to help you navigate the process smoothly and with compassion.
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           The Challenges of Handling a Michigan Estate From Out of State
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          Michigan’s probate laws can be complex and differ from other states. Trying to manage these legal proceedings remotely can add layers of difficulty, including:
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            Understanding Michigan Probate Procedures: Michigan requires probate administration for many estates, with specific filing and notification steps.
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            Physical Presence Issues: Many court filings and tasks often require local representation.
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            Managing Multiple Agencies and Creditors: Coordinating with banks, government offices, and service providers in Michigan can be challenging from afar.
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           How Melder &amp;amp; Melder, P.C. Can Assist You
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            1. Local Expertise in Michigan Probate Law
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           Our experienced attorneys understand the Michigan probate system inside and out. Whether your parents left a will or passed intestate, we can guide you on the best path forward under Michigan law.
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            2. Acting as Your Michigan Representative
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           If you live out of state, our firm can serve as your trusted legal agent, handling all court filings, communications, and in-person matters on your behalf.
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            3. Simplifying the Probate Process
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           We will assess whether Michigan’s simplified procedures apply to your case, helping to reduce time, costs, and stress in administrating the estate.
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            4. Compassionate Guidance During a Difficult Time
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           We prioritize clear, consistent communication and explain legal matters in plain language to keep you informed and supported every step of the way.
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           What You Should Do Next?
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             Contact us for a consultation
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             Our team offers remote consultations tailored to out-of-state clients. We’ll review your situation and explain your options under Michigan law.
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             Gather Important Documents
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             Locate your parents’ will, death certificates, financial records, property deeds, and any letters or documents related to their affairs.
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             Allow Us to Handle Court Filings and Notifications
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             Michigan probate courts require timely petitions and notices; we ensure these are properly filed as part of your parents’ estate administration.
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             Stay Connected Throughout the Process
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             We provide regular updates and prompt answers to your questions, so you remain informed even from a distance.
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           Let Melder &amp;amp; Melder, P.C. Help You Through This Difficult Journey
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          Managing the estate of a loved one is never easy—especially from another state. At Melder &amp;amp; Melder, P.C., we are committed to easing your burden by providing trusted, experienced legal support tailored to Michigan probate matters.
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          Reach out today to
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             schedule your consultation
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          . We are here to guide you with care, sensitivity, and professionalism during this challenging time.
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      <pubDate>Mon, 17 Nov 2025 23:23:50 GMT</pubDate>
      <guid>https://www.melderandmelder.com/i-live-out-of-state-and-my-parents-passed-awaywho-can-help-me</guid>
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    <item>
      <title>I’m in the Will – Now What? A Guide to What Comes Next</title>
      <link>https://www.melderandmelder.com/im-in-the-will-now-what-a-guide-to-what-comes-next</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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           Being named in a loved one’s will is both an honor and, sometimes, the start of a complex process. Whether you’re inheriting sentimental items, financial assets, or property, understanding the steps after being included in a will can help ease the transition during what is often an emotional time.
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          Here’s a general guide on what to expect and what actions to take once you find out you’re in the will.
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           1. Obtain a Copy of the Will
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          The first step is to get an official copy of the will. Usually, the executor (also called the personal representative) is responsible for locating the will and submitting it to the probate court. Once filed, the will becomes a public document.
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          If you haven’t already, ask the executor or the attorney handling the estate for a copy. Reviewing the will carefully helps you understand what the deceased intended for you and others.
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           2. Understand the Probate Process
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          Probate is the legal procedure in which a deceased person’s will is validated, and their assets are collected, debts paid, and finally distributed according to the will’s instructions.
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             Executor Role:
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            The executor manages the probate process. They gather assets, notify beneficiaries, pay debts and taxes, and distribute inheritances.
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             Time Frame:
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            Probate can take several months to over a year depending on the estate’s complexity.
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             Court Involvement:
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            The probate court oversees the process to ensure everything complies with the law.
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           3. Communicate with the Executor
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          Stay in touch with the executor. They are your point of contact for updates. They might also need your cooperation, for example, providing identification or signing documents. 
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           If you have questions about the estate or distributions, express your concerns early. Transparency helps prevent misunderstandings.
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           4. Review and Prepare for Taxes and Debts
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          Sometimes, the estate may have outstanding debts or taxes that must be paid before distributions. The executor uses estate funds to cover these. If some assets are given “subject to debts,” your inheritance might be reduced accordingly. 
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           It’s wise to consult with an attorney or a tax professional to understand any personal tax implications of your inheritance.
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           5. Accepting or Contesting Your Inheritance
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          In most cases, beneficiaries accept their inheritance. However, if you believe the will doesn’t reflect the deceased’s true intentions or if there are concerns about how it was created (e.g., undue influence, lack of capacity), you may consider contesting the will. This is a legal action that requires strong evidence and should be discussed with an experienced probate attorney.
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          Alternatively, if you don’t want to accept the inheritance — perhaps due to liabilities or other reasons — you can disclaim it legally. Doing so passes the inheritance on to other heirs as outlined in the will or by law.
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           6. Transferring Assets
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          Once debts and taxes are addressed, and court approvals are obtained, the executor can transfer assets to beneficiaries. This might involve changing property titles, transferring bank accounts, or handing over personal items.
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           Keep documentation of all transactions for your records.
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           7. Seek Professional Advice
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          Navigating probate and inheritance laws can be complex. Consulting with an estate planning attorney can help you:
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            Understand your rights and responsibilities.
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            Manage tax obligations.
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            Address disputes or concerns.
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            Plan for your own estate in light of your inheritance.
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            Final Thoughts
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          Being named in a will is the start of an important process. Understanding the steps ahead can make the journey smoother during a challenging time. If you’ve recently been informed that you’re included in a will, don’t hesitate to reach out to legal professionals who can guide you through probate and ensure your interests are protected.  Whether through financial gain, preserving family legacy, or gaining peace of mind during a difficult time, Melder &amp;amp; Melder P.C. can offer assistance and guidance to navigate these processes. 
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          If you have questions or need assistance with wills, probate, or estate planning,
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            contact us today
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           .
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          We’re here to help you every step of the way.
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            **Disclaimer: This blog is for informational purposes only and does not constitute legal advice.**
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      <pubDate>Fri, 24 Oct 2025 13:26:57 GMT</pubDate>
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    <item>
      <title>Do I Need a Trust? Understanding the Benefits of Estate Planning</title>
      <link>https://www.melderandmelder.com/do-i-need-a-trust-understanding-the-benefits-of-estate-planning</link>
      <description />
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           When it comes to planning your estate, one of the most common questions we hear is, “
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            Do I need a trust
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           ?” At Melder &amp;amp; Melder, we believe understanding what a trust is—and how it fits into your overall estate plan—is essential for making informed decisions that protect your assets and your loved ones.
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           What Is a Trust?
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           A trust is a legal arrangement where one person (the grantor) transfers assets to another party (the trustee) to hold and manage for the benefit of a third party (the beneficiary). Trusts are versatile tools that can serve many purposes, from managing how assets are distributed to minimizing taxes and avoiding probate.
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           Why Consider a Trust?
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              Avoid Probate
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             : One of the main advantages of a trust is that it allows your estate to bypass the often lengthy and costly probate process. This means your beneficiaries can access their inheritance more quickly and with less hassle.
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              Maintain Privacy:
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              Unlike a will, which becomes a public record during probate, a trust is a private document. This keeps your financial affairs and the details of your estate confidential.
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              Control Asset Distribution:
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              Trusts provide flexibility in controlling when and how your beneficiaries receive assets. For example, you can set conditions for distributions, such as reaching a certain age or achieving milestones like graduating from college.
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              Protect Beneficiaries:
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              If you have minors, beneficiaries with special needs, or those who may not be financially responsible, a trust can offer protection and ensure their needs are met over time.
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              Tax Planning:
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             Certain types of trusts can help reduce estate and gift taxes, preserving more of your wealth for your heirs.
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           Do You Need a Trust?
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           A trust may be beneficial if you:
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             Own significant assets or multiple properties
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             Want to provide for minor children or beneficiaries with special needs
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             Wish to avoid probate and maintain privacy
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             Have complex family dynamics or blended families
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             Want to plan for incapacity or long-term care
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           However, trusts are not necessary for everyone. For individuals with simpler estates, a will combined with powers of attorney and beneficiary designations might suffice.
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           How We Can Help?
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           Determining whether a trust is right for you depends on your unique financial situation and goals. At Melder &amp;amp; Melder, our experienced estate planning attorneys will guide you through your options, helping you design a plan that provides peace of mind for you and your family. Investing time in comprehensive estate planning is one of the best ways to protect your legacy. Whether you need a trust or other estate planning tools, we’re here to help you navigate the process with confidence.
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            Ready to discuss your estate planning needs?
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             Contact us today for a consultation
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             or give us a call at
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             248-541-3400
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            .
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      <pubDate>Tue, 23 Sep 2025 14:14:49 GMT</pubDate>
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      <title>Navigating Shared Child Custody for the School Year</title>
      <link>https://www.melderandmelder.com/navigating-shared-child-custody-for-the-school-year</link>
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           As the school year kicks off, families with shared child custody face unique challenges and opportunities. Transitioning back into a routine that balances parenting time with educational responsibilities requires thoughtful planning and clear communication. At Melder &amp;amp; Melder, we understand the complexities involved and are here to help families navigate this important time with confidence and care.
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           Why the Back-to-School Season is Critical in Shared Custody Arrangements
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           The start of school brings new schedules, homework, extracurricular activities, and social dynamics. For parents sharing custody, it’s essential to align on these changes to support your child’s stability and success. Consistency in routines and mutual cooperation between parents can make all the difference in your child’s adjustment and well-being.
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           Tips for Managing Shared Custody During the School Year
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             Develop a Detailed Schedule: Work together to create a custody schedule that incorporates school hours, drop-offs, pickups, and extracurricular activities. Flexibility is key, but clarity helps avoid misunderstandings.
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             Communicate Openly and Respectfully: Keep each other informed about important school events, progress reports, and any issues your child may be facing. Use tools like shared calendars or apps designed for co-parenting to stay organized.
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             Focus on Your Child’s Needs: Prioritize your child’s emotional and educational well-being. Keep conversations about disagreements away from your child and encourage positivity about both homes.
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             Prepare for Changes: School schedules can change due to holidays, teacher conferences, or unforeseen events. Plan ahead and be willing to adjust arrangements as necessary.
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             Seek Legal Guidance if Needed: If disagreements arise that you cannot resolve amicably, consulting an experienced family law attorney can provide clarity and protect your child’s best interests.
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           How Melder &amp;amp; Melder Can Help
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           At Melder &amp;amp; Melder, we specialize in family law and have extensive experience supporting parents through custody challenges. Whether you are establishing a custody agreement or modifying one to better fit the school year routine, our compassionate attorneys can guide you through the legal process. We focus on solutions that prioritize your child’s stability and happiness while respecting parental rights.
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           If you have questions or need assistance with child custody arrangements as school starts, don’t hesitate to contact Melder &amp;amp; Melder. Call us today at 248-541-3400 or submit our
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           . 
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           Starting school again brings new routines and responsibilities for families with shared custody. With careful planning, open communication, and professional support when needed, parents can create a positive, nurturing environment that helps their child thrive all year long. Melder &amp;amp; Melder is here to support you every step of the way.
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      <pubDate>Thu, 21 Aug 2025 22:05:31 GMT</pubDate>
      <guid>https://www.melderandmelder.com/navigating-shared-child-custody-for-the-school-year</guid>
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      <title>Navigating Divorce: Legal Insights for Protecting Your Rights with Melder &amp; Melder</title>
      <link>https://www.melderandmelder.com/navigating-divorce-in-royal-oaks-mi-legal-insights-for-protecting-your-rights</link>
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         Divorce can be a complex and emotionally charged process for individuals in and around Royal Oaks, MI. Understanding the specific legal considerations and procedures applicable in your local area is crucial to safeguarding your rights during this challenging time. In this blog post, we will explore key aspects of divorce tailored to the Royal Oaks community, drawing insights from local legal practices and guidelines.
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           Types of Divorce Representation at Melder &amp;amp; Melder:
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             Experienced Counsel: Highlighting the expertise and knowledge of the attorneys at Melder &amp;amp; Melder in handling both contested and uncontested divorce cases.
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            Personalized Approach: Discussing the firm’s commitment to providing individualized guidance and support to clients throughout the divorce process.
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           Legal Grounds for Divorce:
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             Michigan Divorce Laws: Exploring the grounds for divorce in Michigan and how the attorneys at Melder &amp;amp; Melder navigate both fault-based and no-fault divorce cases.
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            Advocacy for Clients: Discussing how the firm advocates for clients’ rights and interests in alignment with Michigan divorce laws.
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           Asset Division and Alimony Counsel:
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             Equitable Distribution: Outlining how the attorneys at Melder &amp;amp; Melder analyze and strategize asset division to achieve fair outcomes for their clients.
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            Alimony Determination: Detailing the firm’s approach to advocating for fair and reasonable spousal support arrangements based on Michigan guidelines.
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           Child Custody and Support Representation:
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             Child-Focused Approach: Highlighting the firm’s emphasis on prioritizing the well-being of children in custody and support matters.
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            Legal Expertise: Discussing the attorneys’ in-depth knowledge of Michigan child custody laws to secure favorable outcomes for clients.
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           Legal Procedures and Client Resources:
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             Procedural Guidance: Providing an overview of the steps involved in the divorce process and the firm’s role in navigating clients through legal proceedings.
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            Client Collaboration: Emphasizing the importance of open communication and collaboration between clients and the attorneys at Melder &amp;amp; Melder to achieve positive outcomes in divorce cases.
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           Navigating the complexities of divorce requires a knowledgeable and dedicated legal team like Melder &amp;amp; Melder. With a focus on personalized service, expertise in Michigan divorce laws, and a commitment to advocating for clients’ rights, the attorneys at Melder &amp;amp; Melder provide valuable support and guidance throughout the divorce process. By partnering with experienced legal professionals, clients can protect their rights, make informed decisions, and embark on a positive path toward a new chapter in their lives. Call us at
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              248-541-3400
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           to schedule a consultation!
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      <pubDate>Thu, 17 Jul 2025 19:57:12 GMT</pubDate>
      <guid>https://www.melderandmelder.com/navigating-divorce-in-royal-oaks-mi-legal-insights-for-protecting-your-rights</guid>
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      <title>Summer Custody Plans: How Divorced Parents Can Share Parenting Time Gracefully</title>
      <link>https://www.melderandmelder.com/summer-custody-plans48f719f1</link>
      <description>Discover expert tips on how to navigate summer custody arrangements as divorced parents in our latest blog post. Learn how to create a detailed parenting schedule, maintain open communication, and prioritize your children’s best interests with guidance from Melder &amp; Melder. Ensure a smooth and harmonious co-parenting experience during the summer months.</description>
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    Summer break can pose several challenges for divorced parents, especially when it comes to sharing custody of their children. As the temperatures rise, tensions can also escalate if custody arrangements are not well-planned and communicated effectively. At Melder &amp;amp; Melder, we understand the importance of creating a cohesive shared parenting strategy, particularly during the summer months, to ensure the well-being of everyone involved. Here are some tips on how divorced parents can navigate summer custody arrangements smoothly:
  
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        Establish a Detailed Parenting Schedule: Planning ahead is key to avoiding conflicts during the summer break. Work with your ex-partner to create a detailed parenting schedule that outlines each parent’s designated time with the children. Be sure to include important dates, such as vacations, summer camps, and holidays, to prevent any last-minute surprises.
      
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        Maintain Open Communication: Effective communication is essential when it comes to co-parenting. Keep the lines of communication open with your ex-spouse, and consider using technology, such as co-parenting apps, to share important updates and information about your children’s schedules and activities.
      
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        Focus on the Children’s Best Interests: While navigating summer custody arrangements can be challenging, it’s crucial to prioritize your children’s well-being above all else. Create a positive co-parenting environment by working together to make decisions that benefit your children’s physical, emotional, and mental health.
      
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        Seek Legal Assistance When Needed: If you encounter any issues or conflicts regarding summer custody plans, don’t hesitate to seek legal guidance. The experienced family law attorneys at Melder &amp;amp; Melder can provide valuable advice and support to help you navigate complex custody matters and ensure that your children’s best interests are protected.
      
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    For more personalized advice on establishing summer custody arrangements, reach out to Melder &amp;amp; Melder today. Our dedicated team of family law attorneys is committed to helping divorced parents create effective shared parenting plans that prioritize the well-being of their children. Schedule a consultation with us to explore your custody options and make this summer a positive and memorable experience for your family.
  
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    Melder &amp;amp; Melder, P.C.
  
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    2304 East Eleven Mile Road
  
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    Royal Oak, Michigan 48067
  
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    Telephone: (248)-541-3400 or (800)-LAW-5454
  
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    Facsimile: (248)-541-6332
  
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    info@melderandmelder.com
  
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      <pubDate>Tue, 10 Jun 2025 13:58:16 GMT</pubDate>
      <guid>https://www.melderandmelder.com/summer-custody-plans48f719f1</guid>
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      <title>Navigating Traffic Tickets: Expert Advice from Melder and Melder Law Firm</title>
      <link>https://www.melderandmelder.com/navigating-traffic-tickets-expert-advice-from-melder-and-melder-law-firm70a65f1b</link>
      <description>Get expert advice on handling traffic tickets from Melder and Melder Law Firm. Learn about potential consequences, the importance of seeking legal help, and how our team can protect your rights. Don’t wait - empower yourself with the knowledge you need to defend your driving record.</description>
      <content:encoded>&lt;div&gt;&#xD;
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    Have you recently received a traffic ticket and are wondering what your next steps should be? As a leading attorney specializing in traffic tickets, we are here to help guide you through the process and ensure that your rights are protected.
  
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    Traffic tickets can have serious consequences, including fines, points on your driving record, and even potential increases in your insurance premiums. It is important to address a traffic ticket promptly and effectively to minimize the impact on your driving record and finances.
  
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    When you choose to work with Melder and Melder Law Firm, you can rest assured that your case will be handled with the utmost professionalism and care. We will work tirelessly to protect your rights and achieve the best possible outcome for your case.
  
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    Don’t let a traffic ticket derail your life. Contact Melder and Melder Law Firm today to schedule a consultation and begin the process of fighting your traffic ticket. Your future is too important to leave to chance – trust the experts at Melder and Melder to advocate for you.
  
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      <pubDate>Thu, 08 May 2025 13:52:35 GMT</pubDate>
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      <title>Expert Will &amp; Probate Services: Navigating Legal Matters</title>
      <link>https://www.melderandmelder.com/expert-will-probate-services-navigating-legal-matters712ede63</link>
      <description>Discover expert will &amp; probate services with Melder &amp; Melder. Their experienced attorneys offer compassionate guidance for estate planning and administration, ensuring your wishes are upheld.</description>
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    Navigating the process of wills and probate services can be a daunting task, especially during a difficult time such as the loss of a loved one. Fortunately, there are professionals who specialize in guiding individuals through these legal matters and ensuring that everything is managed efficiently and effectively.
  
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    One such company that offers exceptional will &amp;amp; probate services is Melder &amp;amp; Melder, a trusted law firm with a long-standing reputation for providing excellent legal counsel in the field. Their team of experienced attorneys understands the nuances of wills, trusts, and probate proceedings, and they are dedicated to helping their clients protect their assets and ensure their final wishes are carried out accordingly.
  
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    When it comes to creating a will, many individuals may feel overwhelmed by the complexity of the process. However, with the help of Melder &amp;amp; Melder, clients can rest assured that their wishes will be documented accurately and legally binding. The firm’s attorneys work closely with their clients to ensure that all aspects of their estate planning are taken into consideration, including the distribution of assets, the appointment of guardians for minor children, and any specific requests for funeral arrangements or charitable donations.
  
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    In the event of a loved one’s passing, the probate process can be emotionally taxing and time-consuming. Melder &amp;amp; Melder offers compassionate and professional assistance to help navigate through the probate proceedings, ensuring that all legal requirements are met and that the deceased’s estate is handled appropriately. Their team can assist with filing court documents, managing estate taxes, and distributing assets to beneficiaries in accordance with the will.
  
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    Melder &amp;amp; Melder, P.C.
  
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    2304 East Eleven Mile Road
  
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    Royal Oak, Michigan 48067
  
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    Telephone: (248)-541-3400 or
(800)-LAW-5454
  
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    Facsimile: (248)-541-6332
  
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    info@melderandmelder.com
  
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      <pubDate>Tue, 15 Apr 2025 16:12:59 GMT</pubDate>
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      <description>Explore why having an estate plan is crucial for establishing a trust in Michigan. Learn about the benefits of creating a trust, how it can protect your assets, and ensure your loved ones are taken care of.</description>
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
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  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      &lt;u&gt;&#xD;
        
                        
        Why a
Trust is Needed in Michigan
      
                      &#xD;
      &lt;/u&gt;&#xD;
    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    A trust is a legal arrangement that allows an individual to
transfer assets to a trustee, who manages them for the benefit of designated
beneficiaries. In Michigan, establishing a trust is often a wise estate
planning strategy that offers numerous advantages. Here is why setting up a
trust in Michigan can be essential:
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Avoiding Probate
    
                    &#xD;
    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    One of the primary reasons to establish a trust in Michigan
is to avoid probate, the court- process of distributing assets after death.
Probate can be time-consuming, costly, and public. By placing assets in a
trust, they pass directly to beneficiaries without going through probate,
saving both time and money while maintaining privacy.
  
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Protecting Privacy
    
                    &#xD;
    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Unlike wills, which become public records during probate,
trusts allow for a more private distribution of assets. This is particularly
important for individuals who wish to keep financial matters confidential.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Maintaining Control Over Assets
    
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    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    A trust allows the grantor to specify how and when assets
are distributed to beneficiaries. This is particularly beneficial for
individuals with minor children, beneficiaries with special needs, or those who
may not be financially responsible.
  
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Second Marriages and Blended Families
    
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    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    For individuals with children from a previous marriage, a
trust can help ensure that assets are distributed according to their wishes,
preventing disputes and ensuring that both a current spouse and children from a
prior marriage receive appropriate inheritance.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Establishing a trust in Michigan provides numerous benefits.
Consulting with us can help determine the best trust structure for a person’s
specific needs.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Call the Law Office of Melder &amp;amp; Melder, P.C., and let
our experience, knowledge, and skill, assist you in the toughest of
circumstances.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Melder &amp;amp; Melder, P.C.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    2304 East Eleven Mile Road
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Royal Oak, Michigan 48067
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Telephone: (248)-541-3400 or
(800)-LAW-5454
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Facsimile: (248)-541-6332
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    infoc@melderandmelder.com
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;a href="http://www.melderandmelder.com"&gt;&#xD;
      
                      
      www.melderandmelder.com
    
                    &#xD;
    &lt;/a&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
      <enclosure url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/favicon1.jpg" length="699" type="image/jpeg" />
      <pubDate>Wed, 02 Apr 2025 19:21:25 GMT</pubDate>
      <guid>https://www.melderandmelder.com/does-my-estate-plan-need-a-trust7d307d85</guid>
      <g-custom:tags type="string">will,trust,probate,plan,lawyer,attorney,avoid,court,death</g-custom:tags>
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    </item>
    <item>
      <title>Important Questions to Ask Your Attorney When Filing for Divorce</title>
      <link>https://www.melderandmelder.com/important-questions-to-ask-your-attorney-when-filing-for-divorceab14b6ee</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp.cdn-website.com/13ebc485/dms3rep/multi/me.JPG" alt="" title=""/&gt;&#xD;
  &lt;span&gt;&#xD;
  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Filing for divorce is a difficult and emotional process, but having the right attorney on your side can make it a little bit easier. When choosing an attorney to represent you in your divorce case, it’s important to ask the right questions to ensure they are the right fit for you. Here are some things to ask an attorney when filing for divorce:
  
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  &lt;/p&gt;&#xD;
  &lt;ol&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        What is your experience with divorce cases? It’s important to choose an attorney who has experience with divorce cases and is knowledgeable about family law. Ask about their experience handling divorce cases, their success rate, and how long they have been practicing family law.
      
                      &#xD;
      &lt;/p&gt;&#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        What is your approach to divorce cases? Every attorney has a different approach to handling divorce cases, so it’s important to find one whose approach aligns with your goals and values. Ask about their approach to negotiations, mediation, and litigation to see if it aligns with what you are looking for.
      
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      &lt;/p&gt;&#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        What is the likely outcome of my case? While no attorney can predict the outcome of your divorce case with certainty, they should be able to give you an idea of what to expect based on their experience and knowledge of family law. Ask about the likely outcome of your case and any potential challenges that may arise.
      
                      &#xD;
      &lt;/p&gt;&#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        What are your fees and billing practices? Divorce can be a costly process, so it’s important to be clear about your attorney’s fees and billing practices upfront. Ask about their hourly rate, retainer fee, and any other costs associated with your case.
      
                      &#xD;
      &lt;/p&gt;&#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        How will you communicate with me throughout the process? Communication is key in any legal case, so make sure you ask your attorney how they will keep you informed about the progress of your case. Ask about their preferred method of communication, how often you can expect to hear from them, and how quickly they will respond to your inquiries.
      
                      &#xD;
      &lt;/p&gt;&#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      &lt;p&gt;&#xD;
        
                        
        Can you help me set realistic expectations for my case? Divorce can be a complex and time-consuming process, so it’s important to have realistic expectations about the outcome of your case. Ask your attorney to help you set realistic expectations about the timeline, cost, and likely outcome of your divorce case.
      
                      &#xD;
      &lt;/p&gt;&#xD;
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    Choosing the right attorney to represent you in your divorce case is crucial to achieving a successful outcome. The attorneys at Melder &amp;amp; Melder are the only local legal resource you need. No matter your situation or questions you have, we are here for you.  Call us at 
    
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      (248) 541-3400
    
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for a free initial phone consultation with one of our attorneys.
    
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    Melder &amp;amp; Melder, P.C.
  
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    2304 East Eleven Mile Road
  
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    Royal Oak, Michigan 48067
  
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    Telephone: (248)-541-3400 or (800)-LAW-5454
  
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
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  &lt;p&gt;&#xD;
    
                    
    Going
through a divorce is often challenging, especially when children are involved.
Fortunately, at Melder &amp;amp; Melder, P.C., our child custody lawyers at can
help.  We understand the sensitivity of child custody matters including support and visitation, and that each
family's situation is unique.  Our
skilled attorneys are committed to finding solutions that respect the rights of
our clients, while still serving the best interests of the children.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    As our client, we will stand with you throughout the entirety of your divorce and make sure that you are protected and defended. You will always be told the truth, and we will listen to your concerns, and answer any questions that you may have regarding your matter. Thought the process we explain how the system works, and recommend strategies and approaches to the issue at hand.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Call the Law
Office of Melder &amp;amp; Melder, P.C., and let our experience, knowledge, and skill, assist
you in the toughest of circumstances.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Melder &amp;amp; Melder, P.C.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    2304 East Eleven Mile Road
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Royal Oak, Michigan 48067
  
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Telephone: (248)-541-3400 or (800)-LAW-5454
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Facsimile: (248)-541-6332
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;a href="mailto:aric@melderandmelder.com"&gt;&#xD;
      
                      
      aric@melderandmelder.com
    
                    &#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      
                      
      www.melderandmelder.com
    
                    &#xD;
    &lt;/a&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
      <enclosure url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/child.custody.jpg" length="218316" type="image/jpeg" />
      <pubDate>Tue, 11 Feb 2025 17:36:29 GMT</pubDate>
      <guid>https://www.melderandmelder.com/going-through-a-divorce-with-kids-let-us-help32b48660</guid>
      <g-custom:tags type="string">divorce,child,custody,melder,law,lawyer,fighter,advocate,legal,judge,visitation,support</g-custom:tags>
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    </item>
    <item>
      <title>Are your college kids home for the holidays?  Time to get a Power of Attorney and Patient Advocate Designation for them.</title>
      <link>https://www.melderandmelder.com/are-your-college-kids-home-for-the-holidays-time-to-get-a-power-of-attorney-and-patient-advocate-designation-for-themd42fb1aa</link>
      <description>Kids home for the holidays from college, have a power of attorney and patient advocate designation prepared.</description>
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Why do I need this, I pay the BILLS?

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div&gt;&#xD;
  &lt;img src="https://irp.cdn-website.com/13ebc485/dms3rep/multi/mother-daughter-moving-hug.jpg" alt="" title=""/&gt;&#xD;
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&lt;/div&gt;&#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Once your child reaches the “age of majority, (usually 18), they have, as far as the law is concerned, become an adult. This means that information regarding their health, finances, and education will not be disclosed to anyone without their written consent. This should concern you if you have an 18-year-old going who is at college.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    With a healthcare POA—called a Designation of Patient Advocate in Michigan, (this document goes by different names depending on your state), one person (called the "patient") gives another person (called the "patient advocate") the power to make medical treatment decisions, and find out information about their health condition.  This may include decisions regarding mental health treatment, physical health treatment, and general health conditions.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    A person must be at least 18 years old and of sound mind to create a Designation of Patient Advocate.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Without this document a parent, even a parent paying for their child’s education and covering some or all of their expenses, including medical expenses, may be denied access or information as to their child’s medical conditions, even in life-or-death situations.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    if you have a child who is at college and is home for winter break, don’t wait, the time to obtain one of these documents is before it is needed.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Please call our office to discuss this in more detail.  
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Let our family, help your family!
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Melder &amp;amp; Melder, P.C.
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    2304 East Eleven Mile Road
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    Royal Oak, Michigan 48067
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    Telephone: 
    
                    &#xD;
    &lt;a href="tel:(248)-541-3400"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        (248)-541-3400
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    
                    
     or 
    
                    &#xD;
    &lt;a href="tel:8005295454"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        (800)-LAW-5454
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
    Facsimile: (248)-541-6332
    
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;a&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        info@melderandmelder.com
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;a href="https://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        www.melderandmelder.com
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
      <enclosure url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/favicon1.jpg" length="699" type="image/jpeg" />
      <pubDate>Thu, 19 Dec 2024 16:06:50 GMT</pubDate>
      <guid>https://www.melderandmelder.com/are-your-college-kids-home-for-the-holidays-time-to-get-a-power-of-attorney-and-patient-advocate-designation-for-themd42fb1aa</guid>
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      </media:content>
    </item>
    <item>
      <title>Why Hiring an Attorney to Fight Your Traffic Ticket is a Game-Changer!</title>
      <link>https://www.melderandmelder.com/why-hiring-an-attorney-to-fight-your-traffic-ticket-is-a-game-changer7df3931a</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp.cdn-website.com/13ebc485/dms3rep/multi/IMG-30.jpg" alt="" title=""/&gt;&#xD;
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&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Picture this: You're cruising down the road, wind in your hair, tunes blaring from the stereo. Life is good! But suddenly, those flashing red and blue lights appear in your rearview mirror. You've been caught speeding, and now you're facing a dreaded traffic ticket. Don't panic just yet! In this blog post, we'll show you why hiring an attorney to fight your traffic ticket can be a total game-changer. Buckle up and let's dive in!
  
                  &#xD;
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  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      1. They Know the Rules of the Game
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : When it comes to traffic laws, attorneys are the true experts. They eat, sleep, and breathe legal jargon like it's their morning coffee. By hiring an attorney specialized in traffic law, you're bringing someone on board who knows all the ins and outs of the system. They'll know which loopholes to exploit, what evidence to gather, and how to build a solid defense strategy tailored specifically for your case.
  
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  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      2. Experience Matters:
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
     Imagine going into battle without any prior training or experience – it's a recipe for disaster! The same principle applies when fighting a traffic ticket. Attorneys have years of experience dealing with similar cases and navigating through the legal maze. They know how to negotiate with prosecutors, present compelling arguments in court, and increase your chances of getting that ticket dismissed or reduced.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      3. Saving Time and Energy:
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
     Let's face it – dealing with legal matters can be time-consuming and mentally draining. Researching laws, preparing documents, attending court hearings – it's enough to make anyone's head spin! By hiring an attorney, you're handing over these burdensome tasks to someone else who knows exactly what they're doing. This allows you to focus on other important aspects of your life while leaving the legal heavy lifting to the professionals.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      4. Protecting Your Driving Record:
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
     Your driving record is like a precious gem – once tarnished, it's not easy to restore its former glory. Traffic violations can lead to points on your license, increased insurance premiums, and even license suspension. Hiring an attorney to fight your traffic ticket gives you a fighting chance at keeping your record clean. They'll work tirelessly to minimize the impact of the ticket on your driving privileges, ensuring that you can continue hitting the road worry-free.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      5. Money Talks:
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
     Some people hesitate to hire an attorney because they fear the costs involved. But here's the thing – hiring an attorney could actually save you money in the long run! How? Well, think about it: paying a fine for a traffic ticket might seem like a quick fix, but it often leads to increased insurance premiums that can haunt you for years. By investing in an attorney upfront, you're potentially avoiding these long-term financial consequences and protecting your hard-earned cash.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Fighting a traffic ticket may seem like an uphill battle, but with the right attorney by your side, victory is within reach! From their extensive knowledge of traffic laws to their courtroom expertise, attorneys are the secret weapon you need in your corner. So don't just accept that traffic ticket – fight back and reclaim your driving freedom! Remember, hiring an attorney isn't just about winning; it's about taking control of your future on the open road.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    If you find yourself caught up with a traffic infraction, go ahead and call Melder &amp;amp; Melder P.C at (248) 541-3400. We can help turn this traffic ticket fiasco into a distant memory. 
  
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      <pubDate>Mon, 13 Nov 2023 16:25:37 GMT</pubDate>
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      <title>A Parent's need for a Designation of Patient Advocate for their college student</title>
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                    There's one more thing to do before your child goes to college.
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   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
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&lt;![endif]--&gt;    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Once your child reaches
the “age of majority, (usually 18), they have, as far as the law is
concerned, become an adult.  This
means that information regarding their health, finances, and education will not
be disclosed to anyone without their written consent.  This should concern you if you have an 18-year-old
going off to college this fall.  
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    With a healthcare
POA—called a Designation of Patient Advocate in Michigan, (this document goes
by different names depending on your state), one person (called the
"patient") gives another person (called the "patient
advocate") the power to make medical treatment decisions, and find out
information about their health condition.  This may include decisions regarding mental health
treatment, physical health treatment, and general health conditions.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    A person must be at
least 18 years old and of sound mind to create a Designation of Patient
Advocate.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Without this document
a parent, even a parent paying for their child’s education and covering some or
all of their expenses, including medical expenses, may be denied access or information
as to their child’s medical conditions, even in life-or-death situations.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Don’t wait, the time to obtain one of these documents is before it is needed.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    If you, a friend, or a family member has a child who is turning 18, or is older than 18 and never had a Designation
of Patient Advocate prepared, and has a child heading off to school this fall, please
have them call our office to discuss this in more detail.  
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Let our family, help your family!
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;                            Melder &amp;amp; Melder, P.C.
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    2304 East Eleven Mile Road
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    Royal Oak, Michigan 48067
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    Telephone: 
    
                    &#xD;
    &lt;a href="tel:(248)-541-3400"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        (248)-541-3400
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    
                    
     or 
    
                    &#xD;
    &lt;a href="tel:8005295454"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        (800)-LAW-5454
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    
                    
    Facsimile: (248)-541-6332
    
                    &#xD;
    &lt;br/&gt;&#xD;
    &lt;a&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        info@melderandmelder.com
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;br/&gt;&#xD;
    &lt;a href="https://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        www.melderandmelder.com
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    &lt;!--EndFragment--&gt;    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
      <enclosure url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/move+into+dorm2.jpg" length="129298" type="image/jpeg" />
      <pubDate>Mon, 20 Jun 2022 19:46:44 GMT</pubDate>
      <guid>https://www.melderandmelder.com/post-title7f8e96714130e89c</guid>
      <g-custom:tags type="string">probate,POA,A Designation of Patient Advocate,college,parent,child</g-custom:tags>
      <media:content medium="image" url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/move+into+dorm2.jpg">
        <media:description>thumbnail</media:description>
      </media:content>
    </item>
    <item>
      <title>The Mail Order Estate Plan....No Thank you!</title>
      <link>https://www.melderandmelder.com/the-mail-order-estate-plan-no-thank-youf8e209ac</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp.cdn-website.com/13ebc485/dms3rep/multi/will.jpeg" alt="" title=""/&gt;&#xD;
  &lt;span&gt;&#xD;
  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    Are the cost savings worth it when it comes to a will or trust?  NO WAY!!
                  &#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;&#xD;
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  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footer"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="35" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="caption"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of figures"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope return"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="line number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="page number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
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   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Mention"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Smart Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hashtag"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Unresolved Mention"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Smart Link"&gt;&lt;/w:LsdException&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;    &lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* 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-parent:"";
	mso-padding-alt:0in 5.4pt 0in 5.4pt;
	mso-para-margin-top:0in;
	mso-para-margin-right:0in;
	mso-para-margin-bottom:8.0pt;
	mso-para-margin-left:0in;
	line-height:107%;
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    When your ready to have a will or trust prepared, make sure to contact a professional estate planning attorney to assist you.  Michigan has witnessed a significant
increase in the deceptive sale of Will and Trust products to the public.  They often will solicit individuals with direct mail marketing or unsolicited telephone calls.  The
document sellers often not only are attempting to sell “estate planning
documents” but are selling investment products with annuity contracts being
their #1 recommendation.  Hire a professional and have it done right!  Please be careful!
  
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      <enclosure url="https://irp.cdn-website.com/13ebc485/dms3rep/multi/will.jpeg" length="92997" type="image/jpeg" />
      <pubDate>Fri, 27 May 2022 18:40:32 GMT</pubDate>
      <guid>https://www.melderandmelder.com/the-mail-order-estate-plan-no-thank-youf8e209ac</guid>
      <g-custom:tags type="string">will,trust,attorney,melder,local,professional</g-custom:tags>
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    </item>
    <item>
      <title>Divorce- Division of Assets in Michigan</title>
      <link>https://www.melderandmelder.com/divorce-division-of-assets-in-michiganb0dbc491</link>
      <description />
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  How are assets divided?

                &#xD;
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Michigan divides marital property using the
theory of "equitable distribution". Equitable distribution states
divide property based on a determination of what's fair under the circumstances
of each case,
it doesn’t mean that the assets will always be divided on a 50/50 basis.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    In a divorce, there
are 
    
                    &#xD;
    &lt;u&gt;&#xD;
      
                      
      marital assets
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     and 
    
                    &#xD;
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      separate property
    
                    &#xD;
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    .
  
                  &#xD;
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  &lt;p&gt;&#xD;
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      Marital assets
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     are those
accumulated during the course of the marriage up until the day of divorce.  And, it
doesn't matter which spouse technically earns the asset. Also, it is
important to note that the name on the title of property doesn't necessarily
determine who owns it.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;u&gt;&#xD;
      
                      
      Separate property
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     is any
property owned by a spouse prior to the marriage as well as some property that
has been acquired either by a gift or inheritance.  Sometimes, even
inadvertently, your separate property could become commingled property, which
essentially turns it into marital property. 
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Equitable
distribution consists of the court deciding which assets are marital vs.
separate property, placing a fair market value on each asset, and then actually
dividing the assets. The division of assets is presumed to be fairly equal and
a court must clearly explain if there is a deviation from this guideline.  The origin of property owned at the time of
the divorce may determine whether it is considered part of the marital estate.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Most property is
divided by the parties working with their family law attorneys and made part of
a settlement agreement. Property division is one of the areas in a divorce with
the most room for negotiation.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    If you, a friend, or a family member has questions, we can help. Please call us. Let our family, help your family!
    
                    &#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;br/&gt;&#xD;
  &lt;div&gt;&#xD;
    &lt;div&gt;&#xD;
      
                      
      Melder &amp;amp; Melder, P.C.
      
                      &#xD;
      &lt;br/&gt;&#xD;
      
                      
      2304 East Eleven Mile Road
      
                      &#xD;
      &lt;br/&gt;&#xD;
      
                      
      Royal Oak, Michigan 48067
      
                      &#xD;
      &lt;br/&gt;&#xD;
      
                      
      Telephone: 
      
                      &#xD;
      &lt;a href="tel:(248)-541-3400"&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          (248)-541-3400
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/a&gt;&#xD;
      
                      
       or 
      
                      &#xD;
      &lt;a href="tel:8005295454"&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          (800)-LAW-5454
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/a&gt;&#xD;
      &lt;br/&gt;&#xD;
      
                      
      Facsimile: (248)-541-6332
      
                      &#xD;
      &lt;br/&gt;&#xD;
      &lt;a&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          info@melderandmelder.com
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/a&gt;&#xD;
      &lt;br/&gt;&#xD;
      &lt;a href="https://www.melderandmelder.com/"&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          www.melderandmelder.com
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/a&gt;&#xD;
    &lt;/div&gt;&#xD;
  &lt;/div&gt;&#xD;
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      <pubDate>Tue, 08 Feb 2022 20:34:06 GMT</pubDate>
      <guid>https://www.melderandmelder.com/divorce-division-of-assets-in-michiganb0dbc491</guid>
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Health Care</title>
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      <description>Medical Power of Attorney</description>
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  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footer"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="35" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="caption"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of figures"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope return"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="line number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="page number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
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   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
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   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
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  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
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  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
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  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="46"
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  &lt;w:LsdException Locked="false" Priority="51"
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  &lt;w:LsdException Locked="false" Priority="52"
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  &lt;w:LsdException Locked="false" Priority="46"
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  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="51"
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  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
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  &lt;w:LsdException Locked="false" Priority="51"
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  &lt;w:LsdException Locked="false" Priority="52"
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  &lt;w:LsdException Locked="false" Priority="46"
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  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
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  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
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  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Durable Powers of Attorney for
Health Care
    
                    &#xD;
    &lt;/b&gt;&#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Each of us deserves and values the right to
decide about our life, this including the medical treatment we receive.  However, sometimes, due to accident, injury,
or illness, we may not be able to participate in our own treatment decisions.  This lack of participation could be on a temporary or permanent basis. 
If this happens, how can we ensure that our wishes are honored?  By
establishing a Durable Powers of Attorney for Health Care. 
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      What is a Durable Powers of
Attorney for Health Care?
    
                    &#xD;
    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    A


    
                    &#xD;
    &lt;b&gt;&#xD;
      &lt;!--StartFragment--&gt;    &lt;/b&gt;&#xD;
    
                    
    Durable Powers of
Attorney for Health Care
    
                    &#xD;
    &lt;b&gt;&#xD;
      &lt;!--EndFragment--&gt;    &lt;/b&gt;&#xD;
    
                    
    

is a written,
legal document indicating your preferences for medical care that allows you to
specify who can make medical decisions for you, (Patient Advocate).  Your patient advocate can make decisions for
you when you become unable to participate in medical treatment decisions
yourself.  You can also grant your patient
advocate the right to withhold or withdraw treatment. It is imperative you
choose your patient advocate wisely.  You
should choose someone who is trustworthy, loyal, and responsible. 
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    If
you, a friend, or a family member has questions, we can help.  Please call us. Let our family, help your
family!
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
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      <pubDate>Thu, 25 Feb 2021 20:49:31 GMT</pubDate>
      <guid>https://www.melderandmelder.com/post-titleaaf2bae51b4487b1</guid>
      <g-custom:tags type="string">will,powerofattorney,death,health,lastwishes</g-custom:tags>
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      <title>Who
should I put in charge of my will?</title>
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
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  &lt;p&gt;&#xD;
    
                    
    Your Personal Representative
(sometimes referred to as the Executor) is the person you appoint in your Will
to make sure that the wishes you outlined are executed appropriately. A personal representative
is the person appointed to administer the probate estate for a decedent. When
an individual executes a will, the person names someone to serve as personal
representative for the estate. In most cases, an alternate personal
representative is also named in the will in case the other person cannot serve
for any reason.  As a result, you should choose someone that you trust to act
according to your wishes and has the ability to manage the tasks you outlined
in your Will.  Many people choose a close relative or friend. It’s a good
idea to choose someone who is young and capable enough to handle the
responsibility, and ideally, someone who is good at handling money and
financial transactions. Most of all, you want to choose someone who is honest.
  
                  &#xD;
  &lt;/p&gt;&#xD;
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      <enclosure url="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/072eac6.jpg" length="41778" type="image/jpeg" />
      <pubDate>Tue, 17 Nov 2020 20:08:29 GMT</pubDate>
      <guid>https://www.melderandmelder.com/who-should-i-put-in-charge-of-my-will187197db</guid>
      <g-custom:tags type="string">will,trust,probate,pr,personal,representative,court,legal,executor</g-custom:tags>
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    <item>
      <title>DIVORCE RATES SPIKING DURING
COVID-19</title>
      <link>https://www.melderandmelder.com/divorce-rates-spiking-during-covid-198dc986ea</link>
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      <content:encoded>&lt;div&gt;&#xD;
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  &lt;span&gt;&#xD;
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  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footer"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="35" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="caption"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of figures"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope return"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="line number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="page number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="List Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="List Table 6 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="List Table 7 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Mention"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Smart Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hashtag"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Unresolved Mention"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Smart Link"&gt;&lt;/w:LsdException&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;    &lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* 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-parent:"";
	mso-padding-alt:0in 5.4pt 0in 5.4pt;
	mso-para-margin-top:0in;
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  &lt;p&gt;&#xD;
    
                    
    Some couples now stuck at home are being forced to
interact and engage with each other in different ways. They may have to address
issues or confront subjects they were able to avoid by engaging in their regular
routines, working, and socializing. The overall stresses of the pandemic; financial,
emotional, and physical, are forcing some people to take a hard look at their
partners. Tensions are high, and there's nowhere to go.  
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Also, if a couple is having trouble, most of their
interactions will be neutral or negative. But now (tension) is constant
and in their face and they're not able to have their typical
routines, like doing their own things,"
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Another factor during this deepening coronavirus
pandemic: People are becoming even more aware that life is short.  Life might be too short to be too unhappy for
too long, so they're looking for options to make their life better, maybe their
children's lives better and overall move forward.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    If you, a friend, or a family member are having these
or other family law issues.  Please call
us.  We can help!  Let our family, help your family!
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <enclosure url="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/319eac6.jpg" length="64107" type="image/jpeg" />
      <pubDate>Tue, 20 Oct 2020 14:18:51 GMT</pubDate>
      <guid>https://www.melderandmelder.com/divorce-rates-spiking-during-covid-198dc986ea</guid>
      <g-custom:tags type="string">divorce,legal,michigan,custody,child,support,fight,melder,childsupport,spousal,spousalsupport</g-custom:tags>
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        <media:description>thumbnail</media:description>
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    </item>
    <item>
      <title>Probate &amp; Estate Administration?</title>
      <link>https://www.melderandmelder.com/probate-estate-administration6f4bf075</link>
      <description>What is Probate &amp; Estate Administration?</description>
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
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  &lt;p&gt;&#xD;
    
                    
    The word “probate” is commonly used to refer to the court
process, regarding distribution of a person’s property, that happens after the person,
a/k/a decedent, dies.  This is regardless
of whether the person died with a valid will or without a valid will. If a
decedent dies with a will, then their property is distributed according to the
will. If a person dies without a will, then Michigan probate laws dictate how
the decedent's assets are distributed.
    
                    &#xD;
    &lt;br/&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      The Probate Process in Michigan
    
                    &#xD;
    &lt;/b&gt;&#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    There are four main steps involved for the probate
court:
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;br/&gt;&#xD;
  &lt;ul&gt;&#xD;
    &lt;li&gt;&#xD;
      
                      
      Appointing a Personal Representative.
    
                    &#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      
                      
      Assembling all the decedent’s assets.
    
                    &#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      
                      
      Paying the bills and final expenses of the
decedent (i.e. funeral expenses, creditors, taxes, general administration
expenses).
    
                    &#xD;
    &lt;/li&gt;&#xD;
    &lt;li&gt;&#xD;
      
                      
      Distributing remaining assets.
    
                    &#xD;
    &lt;/li&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    
    A lawyer should be consulted as soon as possible,
as they can assist in every aspect of Michigan estate administration.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Please call and let our family help your family.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <pubDate>Thu, 13 Aug 2020 15:40:24 GMT</pubDate>
      <guid>https://www.melderandmelder.com/probate-estate-administration6f4bf075</guid>
      <g-custom:tags type="string">melder,probate,will,trust,estate,assets,death,formal,informal</g-custom:tags>
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      <title>About Bankruptcy</title>
      <link>https://www.melderandmelder.com/about-bankruptcyb742b326</link>
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   Name="table of figures"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope return"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="line number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="page number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
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  &lt;p&gt;&#xD;
    
                    
    Here in Michigan there are four types of
bankruptcy cases that we discuss.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;u&gt;&#xD;
      
                      
      Chapter 7
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     is
known as “straight” bankruptcy or “a liquidation.” This type of bankruptcy requires
a debtor to give up property which exceeds certain limits called exemptions, so
the property can be sold to pay creditors. 
Many who file under this type of bankruptcy don’t exceed the exemptions,
and thus, do not give up personal property.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;u&gt;&#xD;
      
                      
      Chapter 11
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
    , known
as “reorganization”, this type of bankruptcy is used by businesses and a few
individual debtors whose debts are very large. 
It is a very specialized type of bankruptcy.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;u&gt;&#xD;
      
                      
      Chapter 12
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     this
type of bankruptcy is reserved for family farmers.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;u&gt;&#xD;
      
                      
      Chapter 13
    
                    &#xD;
    &lt;/u&gt;&#xD;
    
                    
     this
type of bankruptcy requires a debtor to file a plan to pay debts (or parts of
debts) from current income.  This type of
bankruptcy may be selected depending on the assets a person has, and/or the
debts that a person has.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Most individuals filing bankruptcy will be
filing under either the Chapter 7 or Chapter 13 type. Either type of case may
be filed individually or by a married couple filing jointly.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;div&gt;&#xD;
    &lt;div&gt;&#xD;
      &lt;div&gt;&#xD;
        &lt;p&gt;&#xD;
          
                          
          Please call and let our family help your family.
        
                        &#xD;
        &lt;/p&gt;&#xD;
      &lt;/div&gt;&#xD;
    &lt;/div&gt;&#xD;
  &lt;/div&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <pubDate>Wed, 29 Jul 2020 16:32:38 GMT</pubDate>
      <guid>https://www.melderandmelder.com/about-bankruptcyb742b326</guid>
      <g-custom:tags type="string">Bankruptcy,chapter13,chapter7,lawyer,attorney</g-custom:tags>
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    <item>
      <title>In Michigan, what will happen if I die without a Will/Trust?</title>
      <link>https://www.melderandmelder.com/in-michigan-what-will-happen-if-i-die-without-a-will-trustbb04ed3b</link>
      <description>In Michigan, what will happen if I die without a Will/Trust? </description>
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  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
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&lt;![endif]--&gt;    &lt;!--StartFragment--&gt;    &lt;p&gt;&#xD;
      
                      
      If you die without a Will/Trust in Michigan,
your Estate (money and property) is considered “intestate” and it becomes
subject to the state’s intestacy laws. This means that a predetermined pattern
of relatives will determine who will receive your money and property without
any of your input, a scenario that may be less than ideal. 
    
                    &#xD;
    &lt;/p&gt;&#xD;
    &lt;p&gt;&#xD;
      
                      
      For example, the court could find that an
estranged relative that you never intended to give an inheritance to could be
entitled to your Estate, while the loved ones you wanted to receive your
property could be left with nothing. 
    
                    &#xD;
    &lt;/p&gt;&#xD;
    &lt;p&gt;&#xD;
      
                      
      To avoid this scenario, you should have a Will/Trust
prepared by a licensed Michigan Attorney that outlines who your beneficiaries are, and what property each is entitled to. Additionally, you can
appoint a Personal Representative to make sure your wishes are carried out
according to your wishes, and that your transfers are managed responsibly and
in the manner you have chosen. 
    
                    &#xD;
    &lt;/p&gt;&#xD;
    &lt;p&gt;&#xD;
      
                      
      Please call and let our family help
your family.
    
                    &#xD;
    &lt;/p&gt;&#xD;
  &lt;/div&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <pubDate>Mon, 20 Jul 2020 14:12:23 GMT</pubDate>
      <guid>https://www.melderandmelder.com/in-michigan-what-will-happen-if-i-die-without-a-will-trustbb04ed3b</guid>
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    </item>
    <item>
      <title>Divorce </title>
      <link>https://www.melderandmelder.com/divorce56f176a8</link>
      <description />
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Divorce and YOU.

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/888eac6.jpg" alt="Trusted Divorce Lawyers — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
  &lt;span&gt;&#xD;
  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
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   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
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  &lt;p&gt;&#xD;
    
                    
    In Michigan, you can file for divorce by yourself, it
isn't required that you retain an attorney to file for divorce, 
    
                    &#xD;
    &lt;b&gt;&#xD;
      
                      
      but an
attorney knows the law and will represent your interests
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    . A divorce
can be a long process. The key to minimizing the length of your case is proper
preparation and that is where an attorney’s assistance can be invaluable.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    It is an emotionally fraught time of grieving, but a divorce
is above all a business transaction. What surprises many newly divorced people
is just how much paperwork is involved in the process. Keeping one's
attention on these mundane aspects of the split can often be the healthiest
approach to getting through it. Divorce is a major disruptor in one's life and
can bring tons of stress—financial, emotional, even spiritual. But many people
who go through it also describe feeling an incredible sense of relief.  Remember that you are not walking this path
alone, your attorney will be your key advisor.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;br/&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
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      <enclosure url="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/888eac6.jpg" length="10034" type="image/jpeg" />
      <pubDate>Tue, 07 Jul 2020 18:19:02 GMT</pubDate>
      <guid>https://www.melderandmelder.com/divorce56f176a8</guid>
      <g-custom:tags type="string" />
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        <media:description>thumbnail</media:description>
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    </item>
    <item>
      <title>We are OPEN!!</title>
      <link>https://www.melderandmelder.com/we-are-opene3e5add5</link>
      <description />
      <content:encoded>&lt;h3&gt;&#xD;
  
                  
  Open to serve you, safely!

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/1.M+LOGO.jpg" alt="Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
  &lt;span&gt;&#xD;
  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;o:OfficeDocumentSettings&gt;
  &lt;o:AllowPNG&gt;&lt;/o:AllowPNG&gt;
 &lt;/o:OfficeDocumentSettings&gt;
&lt;/xml&gt;&lt;![endif]--&gt;    &lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves&gt;&lt;/w:TrackMoves&gt;
  &lt;w:TrackFormatting&gt;&lt;/w:TrackFormatting&gt;
  &lt;w:PunctuationKerning&gt;&lt;/w:PunctuationKerning&gt;
  &lt;w:ValidateAgainstSchemas&gt;&lt;/w:ValidateAgainstSchemas&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF&gt;&lt;/w:DoNotPromoteQF&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;X-NONE&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:BreakWrappedTables&gt;&lt;/w:BreakWrappedTables&gt;
   &lt;w:SnapToGridInCell&gt;&lt;/w:SnapToGridInCell&gt;
   &lt;w:WrapTextWithPunct&gt;&lt;/w:WrapTextWithPunct&gt;
   &lt;w:UseAsianBreakRules&gt;&lt;/w:UseAsianBreakRules&gt;
   &lt;w:DontGrowAutofit&gt;&lt;/w:DontGrowAutofit&gt;
   &lt;w:SplitPgBreakAndParaMark&gt;&lt;/w:SplitPgBreakAndParaMark&gt;
   &lt;w:EnableOpenTypeKerning&gt;&lt;/w:EnableOpenTypeKerning&gt;
   &lt;w:DontFlipMirrorIndents&gt;&lt;/w:DontFlipMirrorIndents&gt;
   &lt;w:OverrideTableStyleHps&gt;&lt;/w:OverrideTableStyleHps&gt;
  &lt;/w:Compatibility&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val="Cambria Math"&gt;&lt;/m:mathFont&gt;
   &lt;m:brkBin m:val="before"&gt;&lt;/m:brkBin&gt;
   &lt;m:brkBinSub m:val="&amp;#45;-"&gt;&lt;/m:brkBinSub&gt;
   &lt;m:smallFrac m:val="off"&gt;&lt;/m:smallFrac&gt;
   &lt;m:dispDef&gt;&lt;/m:dispDef&gt;
   &lt;m:lMargin m:val="0"&gt;&lt;/m:lMargin&gt;
   &lt;m:rMargin m:val="0"&gt;&lt;/m:rMargin&gt;
   &lt;m:defJc m:val="centerGroup"&gt;&lt;/m:defJc&gt;
   &lt;m:wrapIndent m:val="1440"&gt;&lt;/m:wrapIndent&gt;
   &lt;m:intLim m:val="subSup"&gt;&lt;/m:intLim&gt;
   &lt;m:naryLim m:val="undOvr"&gt;&lt;/m:naryLim&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;    &lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="false"
  DefSemiHidden="false" DefQFormat="false" DefPriority="99"
  LatentStyleCount="376"&gt;
  &lt;w:LsdException Locked="false" Priority="0" QFormat="true" Name="Normal"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="9" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="heading 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" Name="toc 9"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footer"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="index heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="35" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="caption"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of figures"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="envelope return"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="footnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="line number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="page number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="endnote text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="table of authorities"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="macro"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="toa heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Bullet 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Number 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Closing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" SemiHidden="true"
   UnhideWhenUsed="true" Name="Default Paragraph Font"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="List Continue 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Message Header"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Salutation"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Date"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text First Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Note Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Body Text Indent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Block Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Hyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="FollowedHyperlink"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Document Map"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Plain Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="E-mail Signature"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Top of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Bottom of Form"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal (Web)"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Acronym"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Address"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Cite"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Code"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Definition"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Keyboard"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Preformatted"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Sample"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Typewriter"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="HTML Variable"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Normal Table"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="annotation subject"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="No List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Outline List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Simple 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Classic 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Colorful 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Columns 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Grid 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 7"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table List 8"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table 3D effects 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Contemporary"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Elegant"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Professional"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Subtle 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Web 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Balloon Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" Name="Table Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
   Name="Table Theme"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" SemiHidden="true" Name="Revision"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="34" QFormat="true"
   Name="List Paragraph"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="30" QFormat="true"
   Name="Intense Quote"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="19" QFormat="true"
   Name="Subtle Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="21" QFormat="true"
   Name="Intense Emphasis"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="31" QFormat="true"
   Name="Subtle Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="32" QFormat="true"
   Name="Intense Reference"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="37" SemiHidden="true"
   UnhideWhenUsed="true" Name="Bibliography"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="39" SemiHidden="true"
   UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="41" Name="Plain Table 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="42" Name="Plain Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="43" Name="Plain Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="44" Name="Plain Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="45" Name="Plain Table 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="40" Name="Grid Table Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 1"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 2"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 3"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 4"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
   Name="Grid Table 7 Colorful Accent 5"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="46"
   Name="Grid Table 1 Light Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="51"
   Name="Grid Table 6 Colorful Accent 6"&gt;&lt;/w:LsdException&gt;
  &lt;w:LsdException Locked="false" Priority="52"
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  &lt;p&gt;&#xD;
    
                    
    Law
firms, such as ours, are confronting for the first time the challenge of
opening their physical offices in a manner that is safe for clients and
employees, as well as in compliance with public health orders issued where they
practice.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Here
are six readiness essentials that we have thought about and implemented in our office
prior to reopening:
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Prepare the building and workplace
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : We have been updating
cleaning
    
                    &#xD;
    &lt;br/&gt;&#xD;
    
                    
    
plans, worker screenings, and required face-masks.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Prepare the workforce
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : Use of Daily screening plans for employees and
requiring face-masks in side our building.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Control access points
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : We have established visitor/client policies.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Create a social distancing plan
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : We keep workers at a
safe distance, and have added protective screens to provide additional safety within
our office.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Increase cleaning
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : We have developed protocols for cleaning
work areas and common areas.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;b&gt;&#xD;
      
                      
      Communicate for confidence
    
                    &#xD;
    &lt;/b&gt;&#xD;
    
                    
    : Sharing with workers and clients our plan.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    We
have also sought out and implemented the use of technology for remote hearings, meetings, and consultations.  We are limiting the number of people coming
into the office at the same time, and limiting unnecessary employee movement
within the office.  
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    We are ready
to serve and assist you, safely, with all of your legal needs.  Please call Melder &amp;amp; Melder, P.C.
  
                  &#xD;
  &lt;/p&gt;&#xD;
  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
      <enclosure url="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/885eac6.jpg" length="4475" type="image/jpeg" />
      <pubDate>Tue, 30 Jun 2020 18:29:33 GMT</pubDate>
      <guid>https://www.melderandmelder.com/we-are-opene3e5add5</guid>
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      </media:content>
    </item>
    <item>
      <title>WHY TENANTS SEEK LEGAL COUNSEL</title>
      <link>https://www.melderandmelder.com/why-tenants-seek-legal-counsel101efb152</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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  &lt;span&gt;&#xD;
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  &lt;div&gt;&#xD;
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      All too often, disagreements and disputes between landlords and
renters are frequent and bitter. Some issues, such as security deposit
recovery, can be handled relatively easily in small claims court. However,
there are many other situations that may require a guided understanding of both
the terms of the actual lease and existing state housing laws. 
      
                      &#xD;
      &lt;a href="http://www.melderandmelder.com/landlord-tenant-issues" target="_top"&gt;&#xD;
        &lt;b&gt;&#xD;
          
                          
          Tenant lawyers
        
                        &#xD;
        &lt;/b&gt;&#xD;
      &lt;/a&gt;&#xD;
      
                      
       can help explain your rights, and act on
your behalf when resolving conflicts.
    
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      There
are many cases where individuals seek legal counsel as renters. Before even
signing a lease, it can be helpful to have an attorney review and explain the
language. This ensures that you fully understand and agree to the terms before
you sign the document. You may find that your landlord repeatedly fails to
address repair issues, safety concerns or other general maintenance needs.
Privacy is yet another important concern. While landlords have some limited
rights of entry as property owners, state renters' laws should specify exactly
under what circumstances they can enter your home. Finally, wrongful eviction
or false rent-owed claims can be complex cases that require in-depth legal
knowledge.
    
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      <pubDate>Wed, 27 Jun 2018 19:25:57 GMT</pubDate>
      <guid>https://www.melderandmelder.com/why-tenants-seek-legal-counsel101efb152</guid>
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    </item>
    <item>
      <title>DOS AND DON'TS TO HELP YOUR KIDS THROUGH YOUR DIVORCE</title>
      <link>https://www.melderandmelder.com/dos-and-don-ts-to-help-your-kids-through-your-divorce6aaef826</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/069eac6.jpg" alt="Divorce Decree — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          From the moment you first break the news of the impending divorce to your little ones, they will have lots of thoughts, concerns, and frustrations. And you and your ex will need to help them see that there are also a lot of good times to be enjoyed during and after the break-up. Follow these dos and don'ts to help your children do well, enjoy life, and thrive during and after a divorce.
  
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  Do Give Your Kids the Chance to Make Choices Every Day

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  &lt;p&gt;&#xD;
    
                    
    It's no secret that many kids feel a loss of control when their parents get a divorce. Children aren't generally consulted before parents file for divorce. However, you can help your kids regain some sense of control by allowing them to make choices every day.
    
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    These choices don't have to be something extreme. You can let your kids choose among three different types of cereal in the morning. Let your kids choose the radio station or playlist to listen to on the way to school. Allow children to choose a restaurant to eat in once per week. Little choices can help build confidence and a sense of control.
  
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&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Don't Dismiss Your Kids' Feelings and Emotions

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    When you don't want to look at the pain your kids are feeling because it hurts too much, you might be tempted to try to put a temporary bandage on the problem by telling your kids to 
    
                    &#xD;
    &lt;em&gt;&#xD;
      
                      
      look on the bright side
    
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    &lt;/em&gt;&#xD;
    
                    
    . However, that doesn't work. Children need to be free to express all of the many emotions they feel during a divorce.
    
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    Don't try to brush away your kids' anger, hurt, sadness, or frustration by telling them to look on the bright side. Instead, listen patiently and express empathy for what your kids are feeling. You can't make everything better, but you can validate their feelings.
  
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&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Do Communicate With Your Ex

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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    Sometimes divorced parents don't communicate about their kids, which is a mistake. If you don't exchange information about what the kids are doing, you will both be missing out. What's worse, your kids will be the ultimate losers in that scenario.
    
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  &lt;p&gt;&#xD;
    
                    
    The more information you have about your kids and what recently happened in their lives, the better you can parent them. Extend a gesture of goodwill and share information about your children with your ex. Ask questions about what your kids have been doing with your ex.
  
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&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Don't Talk Negatively About Your Ex in Front of the Kids

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    When your ex does something thoughtless that has a negative impact on your kids, you are naturally furious. However, don't give in to the temptation to speak negatively or passive-aggressively about your ex in front of your kids.
    
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    According to Psychology Today, some examples of passive-aggressive behavior can be as simple as a backhanded compliment. It can also be saying something mean, then adding a second comment to say that you were only joking.
  
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&lt;h3&gt;&#xD;
  
                  
  Do Offer Your Kids Multiple Chances to Go to Therapy

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    Offer your children the chance to go to therapy when you tell them about the divorce. Depending on your situation, you may suggest both family therapy and individual counseling. If your kids don't immediately want to go, you may offer it several more times throughout the divorce and even after it is finalized.
  
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    It's important to take care of yourself during a divorce, too. When you are thriving, you are better able to be there for your children and help them be their best selves. If you are considering a divorce or are worried about any aspects of family law, contact 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Melder &amp;amp; Melder, P.C.
      
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     We can help you protect the best interests of yourself and your children. 
  
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      <pubDate>Wed, 28 Mar 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/dos-and-don-ts-to-help-your-kids-through-your-divorce6aaef826</guid>
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    <item>
      <title>3 STEPS TO TAKE BEFORE YOU FILE BANKRUPTCY</title>
      <link>https://www.melderandmelder.com/3-steps-to-take-before-you-file-bankruptcy8536082a</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/image1f7a.jpg" alt="Chapter 7 Bankruptcy Case — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          Struggling to pay your bills each month and falling further and further behind is not a good place to be. Unfortunately, getting out of debt is not an easy task. If you are considering filing 
  
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    bankruptcy
  
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   for debt-relief, here are three steps you might want to take before making your decision.
  
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&lt;h3&gt;&#xD;
  
                  
  1. Scrutinize You Budget

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    Bankruptcy is helpful in many ways, but it is not free of consequences. Because of this, you should look at all other options before you decide to use bankruptcy for debt-relief, and a good place to start is with your budget.
  
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    You should make a list of all the debts you owe, including the total balances owed and the minimum payments. You should then compare this list to your income. Is there any way you could earn some extra cash to pay off the debts, or is there a way to cut some of your spending habits to free up cash for your debts?
  
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    If you can cut back on your spending and increase your income, you might find a way to repay the debts without any type of help. If you do this and still cannot see a way to repay your debts, you could start looking at alternative methods.
  
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  2. Look at Alternative Methods

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    Alternatives to bankruptcy include debt consolidation, debt settlements and credit counseling services. These options often help people get rid of debt over time without filing for bankruptcy. However, these options do not suit every situation. Here is a breakdown of what each option involves: 
    
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        Debt consolidation
      
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      . If your credit is good enough to qualify for a loan, you could pay off all your debts with the loan proceeds. This could result in having only one payment, and the payment might be a lot lower than the total you are currently paying.
    
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    &lt;li&gt;&#xD;
      &lt;em&gt;&#xD;
        
                        
        Debt settlement
      
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      . A debt settlement involves working out deals with your creditors that allow you to pay less than what you owe.
    
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      &lt;em&gt;&#xD;
        
                        
        Credit counseling
      
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      . This is a form of debt consolidation. Essentially, it involves hiring a company to help you work out a repayment plan for your debts. 
    
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    Evaluating these options could help you find a different way to get out of debt, and these methods may have fewer consequences than bankruptcy. 
  
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&lt;h3&gt;&#xD;
  
                  
  3. Full Understand the Consequences and Rewards of Bankruptcy

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    If you cannot find a different option, you should fully evaluate the bankruptcy process so you can see exactly what you will gain from it and the consequences it comes with. The main benefit Chapter 7 bankruptcy offers is forgiveness of unsecured debt. This comes in handy for people who owe a lot of money to credit card companies.
    
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    Bankruptcy offers other benefits as well, but one of the top consequences is the effects it has on your credit. After filing for Chapter 7 bankruptcy, it will remain on your credit report for the next 10 years, and there is nothing you can do about this. This filing can impede your ability to take out future lines of credit and loans. 
  
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    Fully analyzing the rewards and consequences is vital when making this decision. If the rewards outweigh the consequences and you cannot find another way out of your debt issues, filing bankruptcy might be the best option you have for your situation.
  
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    If you need help managing your debt or getting rid of it, contact Melder &amp;amp; Melder, P.C. We can help you find a way out of debt, and we can give you advice for your own unique situation. Contact us today to learn more about our practice areas or to schedule a consultation with a qualified bankruptcy attorney.
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 21 Mar 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/3-steps-to-take-before-you-file-bankruptcy8536082a</guid>
      <g-custom:tags type="string" />
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    <item>
      <title>SUCCESSFUL CO-PARENTING | MELDER &amp; MELDER, P.C.</title>
      <link>https://www.melderandmelder.com/successful-co-parenting-melder-melder-p-c6c466807</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/BLOG-5.jpg" alt="Lawyer In A Suit — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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&lt;div data-rss-type="text"&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          When you had your children, you probably never anticipated co-parenting them after divorce. Unfortunately, that is the position where millions of parents find themselves in each year. Although sharing the joys and trials of raising your kids with a former partner is far different than co-parenting within a marriage, you and your ex can make it work well. Take these actions to better co-parent with your ex.
  
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&lt;h3&gt;&#xD;
  
                  
  Find A Way to Sustain Open Communication with your Ex

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    No matter how much anger or resentment you may feel towards your ex, it's important to find a way to establish open, healthy communication with your ex. That's a part of co-parenting well. To best take care of the kids, you and your ex will need to fill each other in on small and big things that happen in your children's lives when the other is not around.
  
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    Although you may do a combination of texting, sending emails, talking on the phone, leaving voicemails, mailing letters and talking in person, you may find that one primary form of communication tends to work best for the two of you. Find a way to make it work in a way that won't make you consistently miserable.
  
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&lt;h3&gt;&#xD;
  
                  
  Agrees to Rules that will Be Established in Both Houses

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    When you first get divorced, it may feel exciting to get to parent "on your own" when you have the children with you. However, the reality is that you are both parenting your children even when they're not with you. The lessons you teach your kids will resonate even when they are staying with your ex and vice versa. Therefore, it's important to figure things out together.  
  
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    Consistency is extremely important when you are raising children with your ex. Try to agree to rules that will be enforced in both households. For example, if children are only allowed to play video games for 30 minutes per day when staying with one parent, the same should be true when staying with the other parent when you both agree to the rule.
  
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&lt;h3&gt;&#xD;
  
                  
  Keep your Emotions Check

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    The best way to co-parent during and after a divorce is to try to keep negative emotions out of all your communication with your ex. There will likely be times when you want to scream and shout, but that will only hurt your chances of successfully co-parenting. Yes, you can and should stand up for yourself, but do it when you are cool, calm and collected.
  
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    Remember that you have every right to let your ex know that you will get back to him or her about a topic. No matter how unpleasant the subject matter is, you don't owe any immediate answers to anyone. Take the time you need to answer in the way that you're sure you won't regret. Your kids will be better off when you keep your emotions in check.
  
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&lt;h3&gt;&#xD;
  
                  
  Be a great example of the Golden Rule

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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    Treat your ex the way you want to be treated. Accentuate your ex's good qualities when discussing him or her with your children. Praise the good things that your ex does. That will help your children feel comfortable about expressing affection for the other parent in front of you. Also, try to show compassion when your ex makes parenting mistakes and offer support when possible. You may find that extending the olive branch is beneficial to you, too.
  
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    Finally, keep in mind that co-parenting can be one of the trickiest parts of a divorce, but it can get easier when you are proactive in protecting the best interests of you and your kids. You may reach out to your divorce lawyer for help and advice on all the legal aspects of your divorce. The caring attorneys at Melder &amp;amp; Melder, P.C., can assist you with many aspects of family law. 
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 14 Mar 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/successful-co-parenting-melder-melder-p-c6c466807</guid>
      <g-custom:tags type="string" />
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    <item>
      <title>WHEN AN AMICABLE DIVORCE ISN'T POSSIBLE</title>
      <link>https://www.melderandmelder.com/when-an-amicable-divorce-isn-t-possibleb3a743d0</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/image3b21.jpg" alt="Attorney Explaining Divorce To A Client — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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  &lt;/span&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          Getting a divorce is never easy. No matter how bad the marriage may have been, it's hard to see a marriage end and to say good-bye to someone you once loved. It is for this reason- the love that was once shared- that many people often try to have amicable divorces, and, while such divorces are sometimes possible, there are some situations in which they most certainly are not.
  
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&lt;h3&gt;&#xD;
  
                  
  There's Too Much Anger

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    When you and your soon-to-be ex-spouse cannot be in the same room with one another without yelling, fighting, and calling names, you should take that as a good indicator that the two of you are not going to be able to have an amicable divorce.
  
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    After all, if the two of you have that much anger toward one another, can either of you really trust the other to act fairly and rationally? Sadly, more often than not, the answer is no.
  
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    Thus, if things are very ugly between the two of you and you can't seem to stop fighting and throwing barbs back and forth, you will definitely want to hire a divorce attorney to handle your divorce for you and to help you to make it through this difficult time.
  
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&lt;h3&gt;&#xD;
  
                  
  There are Custody Issues

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    Divorcing a partner is hard. Divorcing a partner when there are children involved is even harder. And, while many people try to keep things amicable for the kids, this is not always practical or possible, especially when there are custody disputes involved.
  
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    If you and your spouse are fighting over visitation after the divorce, who gets full custody, or other important matters related to your children, then you most certainly need to handle your divorce professionally and with a lawyer.
  
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    After all, your relationship with your children is too precious a thing to leave up to chance.
  
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&lt;h3&gt;&#xD;
  
                  
  There are Lots of Assets Involved

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    No matter how well you and your spouse may be handling the thought of divorce, the fact remains that, if there are a lot of assets involved, handling the divorce with the advice and help of legal counsel is a wise decision. You work hard for the things you have, and the last thing you want is to lose what you've worked for just because you tried to keep things "amicable."
  
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    Anytime money, property, or other major assets are at stake, you are going to need professional legal counsel to protect yourself and your interests.
  
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&lt;h3&gt;&#xD;
  
                  
  There's Been Infidelity

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    Every once in a while, there will be people who, despite infidelity having occurred, are able to handle their divorces amicably. Most of the time, however, this is not the case
  
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    Infidelity typically breeds such anger and such hurt feelings that there is no coming back from it.
    
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    While your situation may be the exception to the rule, you will want to think long and hard about whether or not you can really handle things amicably after infidelity has occurred. If the answer is no, as it likely will be, you will need your own separate legal counsel.
  
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    If, based on this information or just on your own "gut feeling," you feel that an amicable divorce isn't possible, then contact your own personal legal counsel. A great recommendation in terms of a qualified divorce law firm is Melder &amp;amp; Melder PC.
  
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    Remember, too, that, even if your divorce is one of the rare amicable ones, this doesn't mean that you can't or shouldn't hire legal counsel. So, even if you think you and your spouse will be one of those rare couples that can settle things amicably, it can still be smart to contact the legal experts at 
    
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    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Melder &amp;amp; Melder PC
      
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    .
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 07 Mar 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/when-an-amicable-divorce-isn-t-possibleb3a743d0</guid>
      <g-custom:tags type="string" />
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      <title>MAJOR MONEY MISTAKES TO AVOID MAKING DURING YOUR DIVORCE</title>
      <link>https://www.melderandmelder.com/major-money-mistakes-to-avoid-making-during-your-divorce7d148a27</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/imagec1b3.jpg" alt="Divorce Lawyers — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    Facing a divorce is something no one anticipates at the start of a marriage, but sometimes it's inevitable and the best way to move forward to the happiest possible future. The good news is that getting a divorce doesn't have to place you as an adversary of your former partner, but you need to place the well-being of you and your kids first through every step of the divorce.
  
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    Money is often a matter of contention that is a contributing factor to many divorces, and it can also be a major obstacle as you start to rebuild your life during and after a divorce. On the other hand, smart decisions can help safeguard the financial health of you and your kids in the coming years. Look out for your best interests by not making these financial mistakes during your divorce.
  
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  Mistake #1: Clinging to the Home or Possessions

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    Part of getting a divorce is learning to let go of many things you may have previously considered to be a permanent part of your life. It's important to try to let go of the emotional attachment you may have to the family home or other possessions since there will need to be a division of assets in the divorce. You need to try to look at things as realistically as possible.
  
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    Try to objectively assess whether selling the family home makes the best financial sense for your family. Sometimes it is impossible for a divorcing parent to go on living in a family home when a two-income household suddenly has only one income, but it may be best if you can afford it. Whatever decision you make, try to make it based on what is best for you and your kids.
  
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  Mistake #2: Focusing on Revenge

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    The reality of getting a divorce can feel brutal in some ways, but you don't have to fight with your ex. There is often a lot of hurt and anger involved in getting a divorce. However, if you give in to the negative feelings you have for your ex and start taking actions out of a desire for revenge, you will likely start a race to the bottom that is as bad for you as it is for your ex.
  
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    If you start focusing on revenge, that is likely to inspire similar behavior in your ex. That can get in the way of your ability to effectively co-parent with your ex, and the price of revenge can be higher than you imagined. A focus on revenge can end up making a divorce more expensive, too, and it can ultimately take money away that could have gone to supporting your children.
  
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&lt;h3&gt;&#xD;
  
                  
  Mistake #3: Failing to Pursue Spousal Support

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    Although you don't want to focus on trying to hurt your ex, it's important to prioritize what's best for you. Some people don't seek spousal support because of a misguided attempt to keep the peace, but that can cost them dearly for the rest of their lives. In most situations, you should pursue spousal support, but ask for advice from your attorney if in doubt.
  
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    When it comes to ruling on spousal support, the court may consider your need for spousal support and your ex's ability to pay it. Your health, age, education, and the length of your marriage may all be considered as well. It can be a mistake to shy away from at least trying to obtain spousal support no matter what your temporary situation may be.
  
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    Finally, as uncomfortable as it can be to take a long, hard look at your money issues and address finances directly with your ex, it's important to do so. Meanwhile, you can always reach out to your divorce attorney with any financial questions related to your divorce. The caring and professional attorneys at 
    
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    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Melder &amp;amp; Melder PC
      
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      &lt;/b&gt;&#xD;
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     can help address any concerns you have.
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 28 Feb 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/major-money-mistakes-to-avoid-making-during-your-divorce7d148a27</guid>
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    <item>
      <title>UNDERSTANDING WHO CAN FILE FOR CHAPTER 7</title>
      <link>https://www.melderandmelder.com/understanding-who-can-file-for-chapter-725b326d9</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/BLOG-6.jpg" alt="Clerk Holds Bankruptcy Chapter 7 — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    
    If you’ve been thinking about filing for 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/chapter-seven-bankruptcy" target="_top"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Chapter 7
      
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    , a type of bankruptcy, there are requirements you must meet to be considered qualified. 
  
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    The three primary things that will be considered are:
  
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      Income Level – There is a limit as to how high it can be.
    
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      Previous Bankruptcies – If you have filed recently, you will not be eligible.
    
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      Ethics – You will be evaluated as to whether you might be cheating your creditors.
    
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    With regard to income level, if yours is higher than what is normally accepted, you will be required to take a test to verify that you are unable to pay your bills.
  
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&lt;h3&gt;&#xD;
  
                  
  Measuring Income

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    There are two steps in terms of measuring income. First, your monthly income must be compared to that of similarly sized families in the state in which you live in. It is your income over the last six months that will be considered. 
    
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    The second step is applied if your income is more than that of other families in your area. You will need to take a test to see if you have enough money after the acceptable expenses to pay at least part of your other debt.
  
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      <pubDate>Wed, 21 Feb 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/understanding-who-can-file-for-chapter-725b326d9</guid>
      <g-custom:tags type="string" />
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    <item>
      <title>6 THINGS YOU SHOULD NEVER DO TO YOUR EX DURING A DIVORCE</title>
      <link>https://www.melderandmelder.com/6-things-you-should-never-do-to-your-ex-during-a-divorce9a2fe13e</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/image3a7d.jpg" alt="Couple Handshaking — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          The golden rule teaches people to be kind to each other. After all, everyone wants to be on the receiving end of kindness, so empathy for others isn't complicated. However, anyone who is going through a divorce likely knows how difficult kindness can be when facing heated situations with an ex. Nevertheless, keep the following "do nots" in mind during your divorce.
  
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  Stop! Don't Be Careless with Social Media Posts

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    &lt;!--StartFragment--&gt;                          One of the most tempting things to do in the age of social media is to rant and rave online. People take to their social media accounts to air their dirty laundry and fuss about everything from a misspelled name on a paper coffee cup to the things their kids did wrong. Don't give in to the temptation to vent about your divorce online. If you post anything, be kind and general.
  
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  Stop! Don't Press Their Buttons

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  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;                          You and your ex probably know each other better than most other people ever will. That can be a good thing, but the bad part of it during a divorce can be the fact that you can both still push each other's buttons. Never go there with your ex when you are getting a divorce. In fact, you may openly ask your ex for a truce where neither of you engages in button-pushing behavior.
  
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  Stop! Don't Be Late Picking Up or Dropping off the Kids

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    &lt;!--StartFragment--&gt;                          One of the stressful things about getting a divorce will be figuring out how to give your kids a transition that's as easy as possible. You and your ex need to agree to schedules that work for all members of the family. Once you agree to pick up or drop off the children at a certain time, don't even think about being late. Always be there on time. Make no exceptions.
  
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  Stop! Don't Spy on Your Ex

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    &lt;!--StartFragment--&gt;                          Many couples share things like passwords and pin numbers with each other. After all, there is trust between spouses. That can leave you and your ex vulnerable to one another during a divorce. While you may try to change all your passwords, it can be difficult to remember everything. Avoid the temptation to sneak a peek into your ex's accounts even if you have the passwords.
  
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  Stop! Don't Allow Your Ex Run the Show

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    &lt;!--StartFragment--&gt;                          Never let your ex walk all over you. Although you want to be kind whenever possible during your divorce, it's important to set clear boundaries at the start of your divorce. If your ex is worried about losing too much in the divorce, he or she may try to control the outcome by manipulating your decisions. Be sure that your soon-to-be ex is respecting your space and individual needs during a divorce.
  
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&lt;h3&gt;&#xD;
  
                  
  Stop! Don't Step Down the Road of Revenge

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    Ignore the voice in your head that may spark ideas of revenge on your ex. Don't even go there. When you act out of revenge, you stop acting in your own best interest. Ultimately, the best way revenge is simply living well. You'll come out the ultimate winner in your divorce by living a great, full life without your soon-to-be ex.
  
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    Finally, keep in mind that most separating spouses face tension in their relationship during the divorce process. It's only natural when two people go from being close to essentially going their separate ways. Nevertheless, there can still be kindness and respect between you and your ex when you handle the relationship with care during the divorce.
  
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    If you are facing a divorce, contact the caring attorneys at 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Melder &amp;amp; Melder PC
      
                      &#xD;
      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    
                    
     for help with your divorce. You don't need to go through any part of your divorce alone, and legal professionals can help with child custody, child support, asset division, and all legal aspects of your divorce
  
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  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 21 Feb 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/6-things-you-should-never-do-to-your-ex-during-a-divorce9a2fe13e</guid>
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    <item>
      <title>STEPS TO TAKE AFTER A CAR ACCIDENT</title>
      <link>https://www.melderandmelder.com/steps-to-take-after-a-car-accident0537d80e</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://irp-cdn.multiscreensite.com/13ebc485/dms3rep/multi/BLOG-7.jpg" alt="Phone Call After Having A Car Crash — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          When involved in a 
  
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    &lt;a href="http://www.melderandmelder.com/"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
      car accident
    
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  , no matter how big or small, it is vital to pull off to the side of the road. To ensure everything afterward proceeds ideally, follow these steps.
  
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&lt;h3&gt;&#xD;
  
                  
  Get the Other Driver’s Information

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  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;                          After you have ensured everyone is OK, you need to talk to the other driver and get his or her insurance information. Keep emotions in check and simply talk to the other person to get the necessary materials. It can also be good to get a personal phone number just in case.
  
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&lt;h3&gt;&#xD;
  
                  
  Get Pictures

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&lt;/h3&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;                          Make sure you or someone you were driving with takes pictures of the scene. Get photographs of the damage to both cars as well as the nearby surroundings. Perhaps the accident could have been avoided if a certain condition was fixed by the city.
  
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&lt;h3&gt;&#xD;
  
                  
  Contact Insurance Agent

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&lt;/h3&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    Your insurance agent should not hear about an accident from the other party. Your agency should hear about the incident directly from you as soon as possible. At this point, all you need to do is inform them of the situation, and the necessary steps will be taken to ensure your car gets fixed.
  
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 14 Feb 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/steps-to-take-after-a-car-accident0537d80e</guid>
      <g-custom:tags type="string" />
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    <item>
      <title>WHAT TO DO IF YOU HAVE BEEN ACCUSED OF A CRIME</title>
      <link>https://www.melderandmelder.com/what-to-do-if-you-have-been-accused-of-a-crime93c91106</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/imageda8e.jpg" alt="Crime Accusation — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
  &lt;span&gt;&#xD;
  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    You’ve been accused of a crime and are facing criminal charges that could strip you of your freedom, or at the very least, alter your reality. Regardless of your guilt or innocence, the best thing you can do for yourself is to hire a 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/criminal-defense"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        criminal defense attorney
      
                      &#xD;
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    &lt;/a&gt;&#xD;
    
                    
    . There are several reasons to hire a defense attorney.
  
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    &lt;br/&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    
    1. Choice: You have the right to a lawyer; that person should be one of your choice, not merely one appointed for you.
  
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  &lt;p&gt;&#xD;
    &lt;br/&gt;&#xD;
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  &lt;p&gt;&#xD;
    
                    
    2. Experience: A criminal attorney knows the law and is familiar with the legal process. Therefore, you stand a better chance at successfully navigating a trial.
  
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    3. Buffering: Being tried for a crime takes a toll on both the accused and the family of the accused. Hiring a criminal lawyer can help decrease some of the firestorm and backlash that may occur.
  
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    4. Dedication: Hiring a criminal defense lawyer makes a difference because that person has a more personalized interest in your case. Court-appointed lawyers are often inundated with several other cases.
  
                  &#xD;
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    &lt;br/&gt;&#xD;
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    5. Circumstance: Sometimes there are other motives behind conviction and sentencing. A prosecuting attorney who seeks a higher political office may decide to use your case as an example.
  
                  &#xD;
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 07 Feb 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/what-to-do-if-you-have-been-accused-of-a-crime93c91106</guid>
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    <item>
      <title>THE IMPORTANCE OF ESTATE PLANNING</title>
      <link>https://www.melderandmelder.com/three-things-you-should-know-about-divorce-laws-in-michiganc9dfc60c</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/imaged692.jpg" alt="Happy Couple — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          Writing a will and pre-planning final affairs is something that many would rather not think about, but it is important nonetheless. Planning ahead about what you would like to happen to your assets makes sure that there is a written, official communication of your wishes, and has the additional benefit of optimizing the amounts your beneficiaries receive.
  
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    &lt;!--EndFragment--&gt;  &lt;/p&gt;&#xD;
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&lt;h3&gt;&#xD;
  
                  
  Make Your Ideas Known

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    &lt;!--StartFragment--&gt;                          You can designate your plans for support for your spouse and children, including naming guardians for any minor children in the event that both parents die before the children attain adulthood. In addition, you can establish a trust for a beneficiary, such as a fund for a college education. In addition, you can also designate a favorite charity or religious organization to also receive funds or property.
  
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&lt;h3&gt;&#xD;
  
                  
  Expedient and Cost Effective

                &#xD;
&lt;/h3&gt;</content:encoded>
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      <pubDate>Wed, 31 Jan 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/three-things-you-should-know-about-divorce-laws-in-michiganc9dfc60c</guid>
      <g-custom:tags type="string" />
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    <item>
      <title>THREE THINGS YOU SHOULD KNOW ABOUT DIVORCE LAWS IN MICHIGAN</title>
      <link>https://www.melderandmelder.com/post-titlece5b125f</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/imagecc78.jpg" alt="Couple Having A Divorce — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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&lt;div data-rss-type="text"&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          Getting a divorce is a difficult decision to make. With it comes a certain amount of stress that can be lessened by having a basic knowledge of the divorce process. Here are three things you need to know about how divorce laws work in Michigan.
  
                    &#xD;
    &lt;!--EndFragment--&gt;  &lt;/p&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Michigan Is A “No Fault” State

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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    This simply means that it isn’t necessary to prove spousal wrong-doing. As long as you and your spouse agree that there is no reasonable likelihood of getting back together, a divorce can be granted.
  
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  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
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&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Serving Papers

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
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    &lt;!--StartFragment--&gt;                          Michigan law requires that divorce papers be served by an adult who is not one of persons involved in the divorce. This person must complete and sign a Proof of Service form which is then filed with the county clerk.
  
                    &#xD;
    &lt;!--EndFragment--&gt;  &lt;/p&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Residency Requirement and Waiting Period

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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    At least one spouse must have been a Michigan resident for the six months prior to the date of filing the required paperwork. Either spouse can file the paperwork in the circuit court of their county of residence after which, there is a two month waiting period for couples without children and a six month waiting period for couples with children.
  
                  &#xD;
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&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 24 Jan 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/post-titlece5b125f</guid>
      <g-custom:tags type="string" />
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      <title>UNDERSTANDING HOW A FORECLOSURE ATTORNEY CAN HELP YOU</title>
      <link>https://www.melderandmelder.com/understanding-how-a-foreclosure-attorney-can-help-you9ce5da6f</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
  &lt;img src="https://cdn.website.thryv.com/afb17c0012224991bfc957879a0e4477/dms3rep/multi/image7b16.jpg" alt="Foreclosure Sign — Royal Oak, MI — Melder &amp;amp; Melder, P.C." title=""/&gt;&#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    Facing a 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/estate-planning" target="_top"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        foreclosure
      
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      &lt;a href="http://www.melderandmelder.com/estate-planning" target="_top"&gt;&#xD;
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    is a scary prospect. Fortunately, assistance is available in the form of foreclosure attorneys. To have a better chance of keeping your home, it might be in your best interest to hire a lawyer who has dealt with these cases in the past.
  
                  &#xD;
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&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Help Build Your Defense

                &#xD;
&lt;/h3&gt;&#xD;
&lt;div data-rss-type="text"&gt;&#xD;
  &lt;p&gt;&#xD;
    &lt;!--StartFragment--&gt;                          There are numerous nuances surrounding foreclosure law, so if you feel as though you have a case, then an attorney can assist you with expanding it. For example, if you know for a fact that the loan servicer did not follow proper protocols, then you might have a case. Additionally, an error may have been made on your account, which is why you are being dealt a foreclosure. People in the military have special protections against foreclosures, so if you are serving in the Armed Forces, then look into legal help.
  
                    &#xD;
    &lt;!--EndFragment--&gt;  &lt;/p&gt;&#xD;
&lt;/div&gt;&#xD;
&lt;h3&gt;&#xD;
  
                  
  Assist With Loan Modifications

                &#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
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    A lawyer may also be able to help you get a modification. An attorney can look at the bank’s records to see if it was in violation of any mortgage servicing rules.
  
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      <pubDate>Wed, 17 Jan 2018 00:00:00 GMT</pubDate>
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    <item>
      <title>WHY TENANTS SEEK LEGAL COUNSEL</title>
      <link>https://www.melderandmelder.com/why-tenants-seek-legal-counsel6a0dde42</link>
      <description />
      <content:encoded>&lt;div&gt;&#xD;
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  &lt;/span&gt;&#xD;
&lt;/div&gt;&#xD;
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    &lt;!--StartFragment--&gt;  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    All too often, disagreements and disputes between landlords and renters are frequent and bitter. Some issues, such as security deposit recovery, can be handled relatively easily in small claims court. However, there are many other situations that may require a guided understanding of both the terms of the actual lease and existing state housing laws. 
    
                    &#xD;
    &lt;a href="http://www.melderandmelder.com/landlord-tenant-issues"&gt;&#xD;
      &lt;b&gt;&#xD;
        
                        
        Tenant lawyers
      
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      &lt;/b&gt;&#xD;
    &lt;/a&gt;&#xD;
    
                    
     can help explain your rights, and act on your behalf when resolving conflicts. 
  
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  &lt;/p&gt;&#xD;
  &lt;p&gt;&#xD;
    
                    
    There are many cases where individuals seek legal counsel as renters. Before even signing a lease, it can be helpful to have an attorney review and explain the language. This ensures that you fully understand and agree to the terms before you sign the document. You may find that your landlord repeatedly fails to address repair issues, safety concerns or other general maintenance needs. Privacy is yet another important concern. While landlords have some limited rights of entry as property owners, state renters' laws should specify exactly under what circumstances they can enter your home. Finally, wrongful eviction or false rent-owed claims can be complex cases that require in-depth legal knowledge.
  
                  &#xD;
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  &lt;!--EndFragment--&gt;  &lt;p&gt;&#xD;
  &lt;/p&gt;&#xD;
&lt;/div&gt;</content:encoded>
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      <pubDate>Wed, 10 Jan 2018 00:00:00 GMT</pubDate>
      <guid>https://www.melderandmelder.com/why-tenants-seek-legal-counsel6a0dde42</guid>
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