Do You Need a Prenup?

Short answer: Yes!

Long answer: A prenup, or prenuptial agreement if you’re being fancy, is a contract between two people who are getting married. Every prenup is different, but usually it lays out what will happen with regard to property and spousal support if the impending marriage ends in divorce. What exactly is covered and the terms to which clauses are held vary for each couple. Some prenups can even have so-called “sunset provisions” that allow for the prenup to expire after a certain amount of time.

Is it romantic to talk about both wedding invitations and who gets the boat when this relationship bites the dust? No, not particularly. But you live in the real world not a rom-com starring Kate Hudson, so you have to plan for the future. And getting this stuff out of the way when you’re super duper in love is a great idea. The alternative is fighting it out while you’re not particularly fond of each other, with no guarantee your assets will be protected, in what may become a very lengthy divorce battle. By the way, you guys have a boat?! Invite me over, I love boats! 

Prenups are not ironclad decrees that are followed to the letter, but they are a really good foundation to work from during a divorce. It’s recommended both members of the couple have legal representation through the prenup drafting process. By the time you’re both ready to sign, you’ll have a great grasp on all your financials and feel confident knowing you’ve done all you can to protect the interests of future you.

So how do you bring up the whole prenup thing to your fiancée? Calmly and in a businesslike fashion. Also, not at the wedding as the picture above suggests. Explain how practical it is to get this stuff sorted now and emphasize how you’ll laugh about this on your golden wedding anniversary surrounded by a dozen cute grandkids. Does having this conversation sound uncomfortable to you? It shouldn’t. Open and honest communication is the basis of a healthy relationship, so let how you deal with this whopper really solidify how strong your marriage will be.

And, at the risk of sounding unromantic, it’s important to keep in mind a simple fact: all marriages end. They either end in death or divorce. Would your fiancée agree you need a Last Will and Testament? Of course!  It’s the responsible thing to do.  A Will prevents decisions from being made about the disposition of your property by the State and Federal legislature (chock full of politicians – see my prior post on the prospect of President Donald Trump). A prenup prevents decisions from being made about the disposition of your property by those same politicians in the event of divorce. To quote 70’s rock icons Rush: “If you choose not to decide you still have made a choice.” 

Still not sure if a prenup is right for you? Here’s a quick quiz for you two love birds to help you decide.

  • If I’ve got no big assets, should I get a prenup? Yes!

  • If I make more money than my spouse, should I get a prenup? Yes!

  • If I make less money than my spouse, should I get a prenup? Yes!

  • If I have kids from a previous relationship, should I get a prenup? Yes!

  • If I have a lot of debt or my spouse does, should we get a prenup? Yes!

  • If I own a house, should I get a prenup? Yes!

  • If I own a business, should I get a prenup? Yes!

  • If I am going to get an inheritance, should I get a prenup? Yes!

  • If I think prenups are unromantic and spoil the fairytale, should I get a prenup? Yes!

  • If I am in possession of a magical lamp that houses a genie who grants wishes, should I get a prenup? Yes and tell me more!

Prenups are for everyone, not just celebrities in Us Weekly. So, ignore the misogynistic undertones of the rest of the song and listen to Kanye, “If you ain’t no punk, holla we want prenup.” And if you’re more of a Drake fan (me too), heed his advice and, “Make sure you hit him with a prenup.”

It’s an important investment in your future and with the right attitude and a good lawyer, it can be a painless process that will give you peace of mind. If you never need to use it, great! Those grandkids can shred it and make confetti for your golden anniversary party.


James J. Sexton

P.S. – Are you already hitched sans prenup? Do not fret! You can always do a postnup, which is like a prenup except you can’t remember what color your wedding invitations were because it was so long ago.

5 Tips For Co-Parenting

I saw my first Christmas commercial this morning, which can only mean one thing: summer is officially over (ok, two things: and America has a serious consumerism problem). With the back-to-school season officially upon us, a whole host of newly divorced couples are taking their maiden voyage into co-parenting. This can be a tricky transition but the following tips will help you sail along in smoother waters.

Go Hi-Tech with Your Scheduling.
The real key to a seamless schedule is lots and lots of organization. Trying to juggle everyone’s appointments is hard enough when you’re all living under one roof, so balancing activities, splitting time between homes and coordinating custody drop-offs can be a real doozy. The best thing to do is set up what I call a “living calendar.” There are tons of apps and software out there, fiddle around with a few and find which works best for your family. Then set up access for everyone in the family including step-parents or other guardians and caregivers that help with the kids (also include the kids when they’re tech literate enough). Have a color code for each person and have everyone plug in their schedules, and update changes as soon as they happen.

Once everything is set up, you can start every day knowing exactly who is picking up the kids, where they’re staying and who is getting them there. Seeing everything laid out in front of you can really aid in creating a sense of calm and consistency for everyone, especially the kids.

Check-In Regularly.
If you and your ex-spouse are on good enough terms, schedule weekly or monthly catch-up meetings to just get a lay of the land. Use this time to go over any big developments in the kids’ lives, behavioral issues, any overlapping budget concerns and any other topics you see fit. You’re already a well-oiled machine with your living calendar, but some things are better discussed in person. Plus, having consistent meetings will keep the lines of communication open. Again, this is important in creating a sense of calm and consistency for everyone, especially the kids.

Communicate Directly.
Don’t ever use your kids as the messenger or the go-between. They’re not your personal assistants and using them in that way can cause them anxiety and stress where there needn’t be any. Figure out the best method of communication for your situation. Things still a little raw and wrought with emotion? Maybe texting or emailing is best for you. Keep conversations about the kids only, and don’t let your past issues bubble up. Think of your ex-spouse as a colleague. You’re now co-CEOs of your family, so behave as you would at work, meaning keep emotion out of it. Be pleasant and everything, but keep things all business and only about the kids. It may feel odd and fake at first but you may find yourself easing into more casual and comfortable communications eventually… and even if you don’t, you’ll steer clear of the emotional meltdowns.

Now is not the time to be petty and selfish. You wanted out of that marriage, and you got it, bully for you! Now you both have to focus your energies on your children and trying to make this transition as smooth as possible. Now is not the time to squabble over 15 extra holiday minutes nor is it time to get passive aggressive about lenient “homework in front of the TV” rules. Meet in the middle and pick your battles. While the marriage ship has sailed, you’re in this parenting thing together, for the rest of your lives and I don’t have to tell you that’s the most important role you and your ex-partner will play.

Cultivate Relationsips, Don’t Compare.
A friend once gave me really great advice. He said, “Keep your eyes on your own paper.” I wasn’t cheating off him in math class at the time. What he meant was, focus on your own stuff. Don’t get wrapped up comparing yourself to others. Stay in your own lane and you do you. This is really good advice for co-parenting as well. Focus on the relationship between you and your kids. Don’t waste time comparing yourself to the other parent by questioning who is doing the better job or which parent the kids like more. The time your kids spend at home is a short season, so try to make the most of it. In a blink they’ll be heading off to school and/or into the real world so cherish every minute and know that if you’re doing right by them, none of this “popular parent” stuff matters anyway.

Do you have any co-parenting tips for your fellow parents? Share them with us and we’ll  share them!

James J. Sexton

Eight Things You May Not Know About Divorce Law In New York State

If you’ve begun to consider a divorce but are unsure of how to get started, or what the laws in New York regarding divorce are, I’ve put together a quick list of the basics that should help. You can also see my other post on child custody and visitation. Please feel free to contact me to discuss your situation.

You Can File for Divorce in New York If:
• You and your spouse were married in New York, and at least one of you has been a resident of New York for at least a year,
• You and your spouse resided in New York as husband and wife, and at least one of you has been a resident of New York at least a year,
• The grounds for divorce occurred in New York, and at least one of you has been a resident of New York for at least a year, or
• At least one of you has been a resident of New York for at least two years immediately before the start of the divorce.

“Fault” & “No-Fault” Divorce: 
New York recognizes both “fault” and “no-fault” grounds for divorce. In a “fault” divorce, one spouse will claim that the other spouse engaged in misconduct leading to the divorce.

“Fault” grounds in New York include:
• Cruel and inhuman treatment (mental or physical abuse),
• Abandonment,
• Imprisonment for three or more years, and
• Adultery.

Grounds for a “no-fault” divorce include:
• The “irretrievable breakdown” of the marriage, and
• Living apart for a period of one or more years, before or after a legal separation agreement.

 “Contested” & “Uncontested” Divorce: 
• “Contested” divorce means that there are critical issues in your divorce that you and your spouse haven’t been able to resolve, either with or without the help of lawyers and mediators.
• “Uncontested” means that you agree to all the important terms of your divorce. You’ve decided where your children will live and what the visitation schedule will be, you’ve agreed to the terms of alimony and child support, and you know how you want to divide your property.

A Few More Helpful Facts: 
• You can represent yourself in divorce proceedings, although this isn’t always a good idea, particularly if you are unsure of the law, or if you have complex financial or custody issues to consider. Divorces with concerns of child custody, property division, and spousal support can be especially complex.
• Paperwork filed in divorce court in New York is not public. This includes pleadings, affidavits, findings of fact, conclusions of law, judgments of dissolution, and written agreements of separation.
• While New York plaintiffs are entitled to a jury trial, the only issue that a jury can decide on is the grounds for the divorce.

While this covers the basics of New York divorce law, it’s highly likely that you will benefit by seeking legal counsel before you begin divorce proceedings. If you’d like to discuss your particular situation, please feel free to contact me.

James J. Sexton

15 Things You Might Not Know About Prenups In New York State

If you’re considering arranging a prenuptial agreement in New York, you should be aware of the legal issues around them. I’ve compiled an overview of the basics below. For a more in-depth look at your particular situation, please feel free to contact me to discuss.

Prenuptial Agreements in New York State

1. A prenuptial agreement (also known as an antenuptial agreement), is a contract entered into by two members of a legal marriage that usually describes the rights of each party upon death or divorce. This often relates to matters of finance and property.

2. A prenup often serves the interests of both parties, rather than only one party as is commonly perceived. For example, if one partner wishes to ensure the other receives more than they may be entitled to under New York law.

3. You should consider a prenuptial agreement if:

  • You would like to clarify expectations upon the event of death or divorce
  • You would like to be protected against loss of finance in the event of death or divorce, such as particular assets, a business, etc.
  • You have a desire to pass on certain assets to children or grandchildren resulting from earlier marriages,
  • You have children and would like to manage custody issues in the event of divorce through contractual means, or
  • You wish to manage your finances through your own contractual agreements rather than by the state, in the case of either death or divorce.

4. In New York, without a prenuptial agreement the court will divide the property in a way that is considered equitable, which may be dividing it down the middle.

5. In New York, without a prenuptial agreement, if one spouse dies, courts typically follow the will of the deceased, although the surviving spouse is usually entitled to at least one half of the estate even if this goes against the will. A prenuptial agreement would circumvent this.

6. For a prenuptial agreement to be valid, it must be in writing, signed, and orally acknowledged before an authorized person as well as certified in writing.

7. Contrary to the name, prenups can also be entered into when a couple is already married.

8. In many cases, the less wealthy spouse will receive less under the prenuptial agreement than he/she would receive under the usual laws of divorce or wills, but they may also receive more, depending upon the agreement made.

9. An “escalator clause” in a prenup states an increase in the amount of assets or support given to the less wealthy spouse dependent on the length of the marriage or income following the agreement.

10. A lawyer is typically used in arranging a prenuptial agreement, usually employed by the wealthier party. While the less wealthy partner isn’t required to have legal representation, this is also advised, as the agreement is more likely to be enforceable if back-and-forth negotiations occur prior to the final agreement.

11. New York public policy strongly favors individuals deciding their own interests through contractual arrangements, even if this leaves one spouse with no property or support. For this reason, it is important for both parties to represent their interests in negotiations.

12. While child support issues can be treated in a prenup, the court is not bound by these and they will serve mainly as points of consideration.

13. The agreement must be considered fair and reasonable at the time of making, and cannot be considered unconscionable at the time of final entry of judgment.

14. If one spouse misleads the other concerning assets or finances, the prenup would be considered invalid.

15. If one spouse exerts excessive pressure on the other to obtain signing of the agreement, it may be rendered invalid. This is a reason to create a prenup well before the marriage date, as ones entered into on, for example, the day before a wedding would be subject to investigation of duress.

While this covers the basics of New York prenuptial agreements, it’s highly likely that you will benefit by seeking legal counsel on these matters. If you’d like to discuss your particular situation, please feel free to contact me.



James J. Sexton

Who Gets the Pets?

The New York law has been changing around pet issues for several years now, with courts, and pet owners, increasingly treating pets like family rather than like property in divorce proceedings. I’m in full support, as you can imagine, having my pup, Huckleberry, as a big reminder that pets are people too.

In New York and across the US, it’s mattering less and less whose name is on the dog owner’s certificate, if indeed you have one, because pets aren’t subject to the rules of property division anymore. Basically, much like custody matters work with children, decisions are going to be made based on the best interest of the pet.

This also means that the courts can and have awarded shared custody, visitation, and alimony payments relative to pet ownership in New York courts. If you love your dog or horse or snake like it’s your own baby and believe it would be better off with you, here are the things you need to be prepared to argue for in divorce proceedings.

• The major care of the pet. Which partner has been the one providing more of the day-to-day care of the pet, including managing basic needs (food, water, scooping poo, etc.) as well as emotional needs (affection)?

• Financial means to support the pet. Pets can be expensive, especially if something goes wrong, or if it’s a big pet that eats a lot, or if it’s an exotic pet or a special needs pet. (Yes, I said special needs pet.) Which partner is able to support the pet financially?

• Time to spend with the pet. Does one of you work significantly longer hours than the other? If so, it could be argued that the pet should be with the person who works less taxing hours, because they’ll have more time for the pet.

• Who brought the pet into the marriage? Even though pets aren’t considered property, it may make sense to consider who has a longer-standing relationship with the pet, because this might establish a primary bond.

• Space for the pet. Different pets need different kinds of living spaces. Is one of you better equipped to provide what the pet needs in terms of space? Be ready to defend it.

• Children’s relationship with the pet. If you have children, it’s important to consider their relationship with the pet (whether positive or negative). This, of course, could impact arrangements for children as well as pets, so be sure you think this one through carefully.

The best scenario is that you, your partner and your divorce attorneys approach the pet issue with a goal of arranging an agreement outside of court, including ownership and visitation terms. This may not hold up in court, but it is likely to influence the decision if both partners agree beforehand. However, couples often disagree over pets, and fighting this out in court is something to be prepared for.

If you can’t reach an agreement, one thing to consider is what you’re willing to give up to keep your pet. In other words, you should discuss with your lawyer the possibility of exchanging property for pet ownership.

This is all relatively new territory, but it’s an important area that needs to be considered carefully before and as you wade through the joy of divorce proceedings. It’s not just about you, after all, but about this guy:


James J. Sexton

The United States of Divorce

For a change of pace, and to brighten up your Monday: Everything you never wanted to know about your nation’s relative inability to keep relationships going!

The Facts:

  1. There are 100 divorces every hour in the U.S.

  2. Slightly less than 50 percent of marriages in the United States end in divorce. This number is affected by outliers with multiple marriages, however.

  3. Like marriage, divorce in the United States is the province of state governments, and divorce laws vary from state to state.

  4. In the US, 41% of first marriages end in divorce, 60% of second marriages end in divorce, and 73 % of third marriages end in divorce.

  5. The average age for couples going through their first divorce is 30 years old.

  6. According to the 2011 United Nations’s Demographic Yearbook, the US had the sixth-highest divorce rate. Russia, Belarus, Ukraine, Moldova and the Cayman Islands had the top five spots in that order.

  7. 2008 voter data showed that states that tend to vote Republican have higher divorce rates than states that tend to vote Democrat.

  8. New York was the latest state to allow non-consensual no-fault divorce, in 2010.

  9. On average, it takes about a year to complete a divorce procedure in the US.

  10. A few high-profile court cases have involved children “divorcing” their parents; these are not actually divorces, but the legal emancipation of minors.

  11. In 2015, the Manhattan Supreme Court ruled that Ellanora Baidoo could serve her husband divorce papers through a Facebook message, and she became the first woman to legally serve her husband divorce papers via Facebook.

  12. As of 2011, for states with available data, the dissolution rates for same-sex couples are slightly lower on average than divorce rates of different-sex couples.

  13. Of marriages ending in divorce, the average length is 8 years.

  14. The average divorcee waits 4 years before remarrying, if they choose to remarry.

  15. Approximately 73% of people with parents still married make it to their 10th anniversary.

  16. 57% of people who grew up in homes where one or both parents were absent make it to their 10th anniversary.

  17. A third of all U.S. divorce filings in 2011 contained the word “Facebook.”

  18. According to U.S. statistics, if one partner smokes, a marriage is 75% more likely to end in divorce.

  19. Statistics have shown that approximately 75% of people who marry partners from an affair eventually divorce that person.

  20. People enduring more than a 45 minute commute are 40% more likely to divorce.

  21. Among the occupations with the lowest divorce rates are agricultural engineers, salespeople, nuclear engineers, optometrists, clergy, and podiatrists.

  22. Among the occupations with the highest divorce rates are dancers and choreographers, bartenders and massage therapists.

  23. Other occupations in the top 10 include casino workers, telephone operators, and nurses.

  24. The Air Force has the highest rate of divorce out of all the US military services.

  25. Women initiate about two-thirds of all divorces in the US.

  26. Among first marriages, 15% of men marry someone more than 6 years younger. On second marriages, this rises to 38%.

  27. Less than half of U.S. children younger than 18 are currently living in a home with two married heterosexual parents in their first marriage.

  28. The divorce of a friend or close relative may increase the chances that a couple will divorce.

  29. New York has the lowest share of currently married adult men in the USA.

  30. If you argue with your spouse about finances once a week, your marriage is 30 percent more likely to end in divorce than if you argue with your spouse about finances less frequently.

  31. Couples with no assets at the beginning of a three-year period are 70 percent more likely to divorce by the end of that period than couples with $10,000 in assets.

  32. If you have twins or triplets, your marriage is 17 percent more likely to end in divorce than if your children are not multiple births.

  33. If you’ve been diagnosed with cervical cancer, your likelihood of getting divorced is 40 percent higher than standard rates.

  34. Your likelihood of divorce is 20 percent higher if you’ve been diagnosed with testicular cancer.

  35. The only US President elected after a divorce was Ronald Reagan.

  36. Britney Spears and Jason Allen Alexander currently have the record for shortest US celebrity marriage, at 55 hours.

  37. Mel and Robyn Gibson’s divorce in 2009 is considered to be the largest celebrity divorce settlement, as Mel paid his ex $425 million.

  38. Among the most expensive celebrity divorces is Steven Spielberg’s settlement with Amy Irving ($100 million) and Michael Jordan’s settlement with Juanita Jordan ($168 million).

  39. In general, men tend to file for divorce in January over women at a ratio of about 2 to 1.

  40. The top 5 reasons for divorce include communication problems; infidelity or betrayal; financial problems; psychological, emotional, and physical abuse; and loss of interest.

  41. 79.6% of custodial mothers receive a support award, while only 29.6% of custodial fathers receive support.

  42. Among female respondents, those with a wedding bill higher than $20,000 divorced at 3.5 times the rate of those with a $5,000-$10,000 wedding bill.

  43. In recent studies it has been found that couple who meet online have a lower divorce rate and report higher levels of marital satisfaction.

  44. The use of Facebook and other social networking sites is linked to increased marital dissatisfaction and increased divorce rates.

  45. Among heavy social media users, 32 percent had thought about leaving their significant others, compared to 16 percent of non-social media users.

  46. Couples that use individual pronouns (“I” and “you”) more often are more likely to divorce than couples who use collective pronouns (“we” and “us”).

  47. Several studies have found that couples are more likely to fight after having a bad night’s sleep.

  48. According to a Brigham Young University study, couples reported lower marital satisfaction when one spouse’s gaming interfered with bedtime routines, with 75% of spouses of gamers desiring more marital input from their spouses.

  49. Interestingly, when both spouses gamed, a majority reported greater satisfaction in their relationships than the median.

  50. A 26-year longitudinal study found that when a husband reported having a close relationship with his wife’s parents, the couple’s risk of divorce decreased by 20 percent.

  51. Conversely, when a wife reported having a close relationship with her husband’s parents, the couple’s risk of divorce increased by 20 percent.

Are you sufficiently depressed yet? 


James J. Sexton


Who Gets the Friends?

In the aftermath of your divorce, when the stuff has been divided up, the kids are basically adjusted to the custody agreement and the dog has stopped pooping in your closet to punish you for moving, there remains one of the most important questions of your new life:

Who gets to keep your mutual friends?

In all likelihood, your friends will each pretend that they’re neutral, and maybe even try to actually be neutral. However, much like parents with their kids, everyone has a favorite whether they admit it or not. I know what I’m talking about not only because I’m a divorcee but also because I was very decidedly not my parents’ favorite. (...There may be a connection.) But because your friends, unlike your dog, actually have some choice in the matter, you have two roads available to you in how you handle this: the high road, and the low road.

The high road is handling things graciously. You tell your friends you know this is a difficult time for everyone, that their support is appreciated but not expected, and that you completely understand if they feel awkward about choosing between you and your ex-spouse. The bottom line: They don’t have to choose (yes they do). You won’t hold it against them in any case (yes you will). Taking the high road means saying the right thing, relieving the pressure on your friends that your divorce is probably putting on them, and knowing that some of them will become, not so much friends, as people you see sometimes when your kids play together; you know, people you say “Oh, we should get together” but don’t really mean it. Taking the high road means taking a hit socially so that everyone can save face.

Your other option is the low road. The low road is political. It’s about using the ample ammunition you undoubtedly have against your ex-partner to ensure your social life doesn’t die with your marriage. While I don’t necessarily condone this approach, under certain circumstances you may be entitled to feel like you “deserve” the friends—particularly if you’ve been egregiously wronged—in which case, nobody can stop you from being cutthroat. (Who am I kidding, I’m a lawyer. This is totally what I would do.) The low road means potentially burning bridges (“I will not forgive you if you choose her over me”) and being okay with that. It also means that things are going to be fairly awkward when you run into ex-friends, but maybe this is a small price to pay, depending on your temperament.

There is, of course, a final, third, weird option: you circumvent the entire problem by staying friends with your ex-spouse. This is something I’ve seen a few people actually do with success, but those who do it appear to save themselves a good deal of misery. If you can manage this one—and let’s face it, you’re probably pretending—it will likely pay dividends, because you will be able to (eventually) hang out in the same room without making everyone incredibly uncomfortable, and your friends will probably be more likely to tolerate the divorce and keep you both.

Of course, that’s just my opinion.


James J. Sexton

15 Things You Might Not Know: Child Custody Law in New York State

If you’re considering a divorce in New York and you have children, it will be important for you to understand the legality around child custody. To that end, I’ve compiled an overview of the basics. For a more in-depth look at your particular situation, please feel free to contact me to discuss.

Child Custody Law in New York State

For New York courts to have jurisdiction on your case, the child must have lived in New York for the past six months. If the child is younger than six months, he or she must have been born in New York (except under extenuating circumstances).

Neither parent has a preferred right to custody of their children in New York.  If there is no custody order, either parent can keep the child with him or her. If the case goes to court, the custody decision must be made in the “best interests of the child.”

Either parent can apply for custody in Family Court. You can attempt to get custody in Supreme Court after divorce proceedings have begun, but you may only have one case ongoing at a time.

The status of “primary caretaker” of the child is likely to be important in making decisions regarding custody.

The parent who has physical custody of the child when the custody application is made to the court may have an advantage in the courts.

The court can consider where the child wants to live, but does not have to follow the child's wishes. The older a child is, the more a court will consider his or her wishes.

Parents may share joint legal custody in New York. The court usually will give custody to only one parent if parents are not able to cooperate.

Custody or visitation can be changed if there is a significant change of circumstances that affect the child’s interests.

If the parent who has custody of the child wants to move, he or she may need to get permission from the court. Alternately, the other parent can apply to the court for an order that prevents the move or changes visitation.

If the parents were never married, and the parents never signed an “Acknowledgment of Paternity,” the father has no custody or visitation rights. To apply for custody and visitation, he must first legally establish paternity.

If you have a custody order and the other parent takes the child from you or won’t return the child from a visit then the other parent could be arrested for kidnapping. He or she could also be charged with interfering with your custody.

The parent who does not have custody of the child can almost always get “frequent and meaningful” visitation. Visitation rights will only be denied if visitation is deemed to be harmful to the child in some way.

A lack of payment of child support is not sufficient means to refuse visitation. It can, however, lead to the non-paying parent to go to jail.

Court-ordered visitation cannot be refused unless it is believed that it would put your child in danger.

Half-siblings and grandparents can apply for visitation rights, although the court isn’t obligated to grant these.

While this covers the basics of New York child custody law, it’s highly likely that you will benefit by seeking legal counsel on these matters. If you’d like to discuss your particular situation, please feel free to contact me.



James J. Sexton