businesses, they play a vital role in communities and the economy, in fact according to the us citizen successesusjoining me access wealth management financial planner frank. welcome to the show. terrific to have you here. i have to think this is common. i know so many couples who are in business together. you have to wonder how come and is it that people then actually break up. >> well, if you look at the numbers gerri like you mentioned if there's 3.7 million husband and wife businesses. we know the divorce rate is something like 50%. so that's over a million break ups of business in the pipeline. gerri: it creates so many issues. do you keep the business? who gets it? who runs it? where do the assets go? what kind of advice before all this happens are you giving to clients and your business? >> we're advising people not to be so busy and get caught up in the day-to-day operations that they necessity neglect to do business planning. what would happen in case of a divorce death, dissolution of the business, they have to look into how divorce would impact that business. gerri: so are you talking a