Durable Power of Attorney – California


Notice to Person Executing Durable Power of Attorney

A durable power of attorney is an important legal document. By signing the durable power
of attorney, you are authorizing another person to act for you, the principal. Before you sign this
durable power of attorney, you should know these important facts:

Your agent (attorney-in-fact) has no duty to act unless you and your agent agree otherwise
in writing. This document gives your agent the powers to manage, dispose of, sell, and convey
your real and personal property, and to use your property as security if your agent borrows money
on your behalf. This document does not give your agent the power to accept or receive any of
your property, in trust or otherwise, as a gift, unless you specifically authorize the agent to accept
or receive a gift.

Your agent will have the right to receive reasonable payment for services provided under
this durable power of attorney unless you provide otherwise in this power of attorney.

The powers you give your agent will continue to exist for your entire lifetime, unless you
state that the durable power of attorney will last for a shorter period of time or unless you
otherwise terminate the durable power of attorney. The powers you give your agent in this durable
power of attorney will continue to exist even if you can no longer make your own decisions
respecting the management of your property.

You can amend or change this durable power of attorney only by executing a new durable
power of attorney or by executing an amendment through the same formalities as an original. You
have the right to revoke or terminate this durable power of attorney at any time, so long as you are

This durable power of attorney must be dated and must be acknowledged before a notary
public or attested to by 2 witnesses. A durable power of attorney that may affect real property
should be acknowledged before a notary public so that it may easily be recorded.

You should read this durable power of attorney carefully. When effective, this durable
power of attorney will give your agent the right to deal with property that you now have or might
acquire in the future. The durable power of attorney is important to you. If you do not understand
the durable power of attorney, or any provision of it, then you should obtain the assistance of an
attorney or other qualified person.

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I, _, residing at _________________, _________________, California _________________,
hereby appoint _ of _________________, _________________, California
_________________, as my attorney-in-fact (“Agent”) to exercise the powers and discretions
described below.

If the Agent is unable to serve for any reason, I appoint _________________, of
_________________, _________________, California _________________, as my alternate
or Successor Agent, as the case may be to serve with the same powers and discretions.

This Power of Attorney shall not be affected by my subsequent incapacity.

I hereby revoke any and all general powers of attorney and special powers of attorney that
previously have been signed by me.
My Agent shall have full power and authority to act on my behalf. This power and authority shall
authorize my Agent to manage and conduct all of my affairs and to exercise all of my legal rights
and powers, including all rights and powers that I may acquire in the future. My Agent’s powers
shall include, but not be limited to, the power to:

a. Conduct any business with any banking or financial institution with respect to any of
my accounts, including, but not limited to, making deposits and withdrawals, negotiating
or endorsing any checks or other instruments with respect to any such accounts,
obtaining bank statements, passbooks, drafts, money orders, warrants, and certificates
or vouchers payable to me by any person, firm, corporation or political entity.
b. Add, delete or change beneficiaries to any financial accounts I own including
insurance policies, annuities, retirement accounts, payable on death savings or checking
accounts or other investments.

c. Perform any act necessary to deposit, negotiate, sell or transfer any note, security, or
draft of the United States of America, including U.S. Treasury Securities.
d. Have access to any safe deposit box that I might own, including its contents.
1. Open, maintain or close bank accounts (including, but not limited to, checking accounts,
savings accounts, and certificates of deposit), brokerage accounts, retirement plan accounts,
and other similar accounts with financial institutions.
2. Sell, exchange, buy, invest, or reinvest any assets or property owned by me. Such assets
or property may include income producing or non-income producing assets and property.
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3. Take any and all legal steps necessary to collect any amount or debt owed to me, or to
settle any claim, whether made against me or asserted on my behalf against any other person
or entity.
4. Enter into binding contracts on my behalf.
5. Maintain and/or operate any business that I may own.

6. Employ professional and business assistance as may be appropriate, including attorneys,
accountants, and real estate Agents.

7. Sell, convey, lease, mortgage, manage, insure, improve, repair, or perform any other act
with respect to any of my property (now owned or later acquired) including, but not limited
to, real estate and real estate rights (including the right to remove tenants and to recover
possession). This includes the right to sell or encumber any homestead that I now own or may
own in the future.
8. Prepare, sign, and file documents with any governmental body or agency, including, but not
limited to, authorization to:
a. Prepare, sign and file income and other tax returns with federal, state, local, and other
governmental bodies.
b. Obtain information or documents from any government or its agencies, and represent
me in all tax matters, including the authority to negotiate, compromise, or settle any
matter with such government or agency.
c. Prepare applications, provide information, and perform any other act reasonably
requested by any government or its agencies in connection with governmental benefits
(including medical, military and social security benefits), and to appoint anyone, including
my Agent, to act as my “Representative Payee” for the purpose of receiving Social
Security benefits.
9. Make gifts from my assets to members of my family, including to the Agent, and to such
other persons or charitable organizations with whom I have an established pattern of giving
(or if it is appropriate to make such gifts for estate planning, long-term care planning and/or
tax purposes), to file state and federal gift tax returns, and to file a tax election to split gifts
with my spouse, if any. No Agent acting under this instrument, except as specifically
authorized in this instrument, shall have the power or authority to (a) gift, appoint, assign or
designate any of my assets, interests or rights, directly or indirectly, to such Agent, such
Agent’s estate, such Agent’s creditors, or the creditors of such Agent’s estate, (b) exercise
any powers of appointment I may hold in favor of such Agent, such Agent’s estate, such
Agent’s creditors, or the creditors of such Agent’s estate, or (c) use any of my assets to
discharge any of such Agent’s legal obligations, including any obligations of support which
such Agent may owe to others, excluding those whom I am legally obligated to support.
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10. To transfer any of my assets to the trustee of any revocable trust created by me, if such
trust is in existence at the time of such transfer.

11. Subject to other provisions of this document, my Agent may disclaim any interest, which
might otherwise be transferred or distributed to me from any other person, estate, trust, or
other entity, as may be appropriate. However, my Agent may not disclaim assets to which I
would be entitled, if the result is that the disclaimed assets pass directly or indirectly to my
Agent or my Agent’s estate. Provided that they are not the same person, my Agent may
disclaim assets which pass to my Gift Agent, and my Gift Agent may disclaim assets which
pass to my Agent.
This Power of Attorney shall be construed broadly as a General Power of Attorney. The listing of
specific powers is not intended to limit or restrict the general powers granted in this Power of
Attorney in any manner.
Any power or authority granted to my Agent under this document shall be limited to the extent
necessary to prevent this Power of Attorney from causing, (i) my income to be taxable to my
Agent, (ii) my assets to be subject to a general power of appointment by my Agent, or (iii) my
Agent to have any incidents of ownership with respect to any life insurance policies that I may own
on the life of my Agent.
My Agent shall not be liable for any loss that results from a judgment error that was made in good
faith. However, my Agent shall be liable for willful misconduct or the failure to act in good faith
while acting under the authority of this Power of Attorney. A Successor Agent shall not be liable
for acts of a prior Agent.

No person who relies in good faith on the authority of my Agent under this instrument shall incur
any liability to me, my estate or my personal representative. I authorize my Agent to indemnify and
hold harmless any third party who accepts and acts under this document.

If any part of any provision of this instrument shall be invalid or unenforceable under applicable
law, such part shall be ineffective to the extent of such invalidity only, without in any way affecting
the remaining parts of such provision or the remaining provisions of this instrument.

My Agent shall be entitled to reasonable compensation for any services provided as my Agent.
My Agent shall be entitled to reimbursement of all reasonable expenses incurred as a result of
carrying out any provision of this Power of Attorney.

My Agent shall provide an accounting for all funds handled and all acts performed as my Agent as
required under state law or upon my request or the request of any authorized personal
representative, fiduciary or court of record acting on my behalf.

This Power of Attorney is granted in, and shall be governed by the laws of the state of California;
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however, I intend that this Power of Attorney be universally recognized and that it be universally
admissible to recordation. In the event that I become a resident of another jurisdiction, or obtain
property, including real property or any other property interest, in another jurisdiction, it remains
my intention that the laws of California shall continue to govern this Power of Attorney.

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This Power of Attorney shall become effective immediately, and shall not be affected by my
disability or lack of mental competence, except as may be provided otherwise by an applicable
state statute. This is a Durable Power of Attorney. This Power of Attorney shall continue effective
until my death. This Power of Attorney may be revoked by me at any time by providing written
notice to my Agent.

Dated ____________________, ______, at _________________, California.





A notary public or other officer completing this certificate verifies only the identity of the
individual(s) who signed the document to which this certificate is attached, and not the
truthfulness, accuracy, or validity of that document.

COUNTY OF _________________, ss:

On __________________ before me, ___________________________________, personally
appeared _, who proved to me on the basis of satisfactory evidence to be the person(s) whose
name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they
executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on
the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the

I certify under PENALTY OF PERJURY under the laws of the State of California that the
foregoing paragraph is true and correct.

WITNESS my hand and official seal.


Signature of Notary Public

________________________________________ (Notary Seal)
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Notice to Person Accepting the Appointment as Attorney-in-Fact:

By acting or agreeing to act as the agent (attorney-in-fact) under this power of attorney
you assume the fiduciary and other legal responsibilities of an agent. These responsibilities include:

1. The legal duty to act solely in the interest of the principal and to avoid conflicts of

2. The legal duty to keep the principal’s property separate and distinct from any other
property owned or controlled by you.

You may not transfer the principals property to yourself without full and adequate
consideration or accept a gift of the principals property unless this power of attorney specifically
authorizes you to transfer property to yourself or accept a gift of the principal’s property. If you
transfer the principals property to yourself without specific authorization in the power of attorney,
you may be prosecuted for fraud and/or embezzlement. If the principal is 65 years of age or older
at the time that the property is transferred to you without authority, you may also be prosecuted for
elder abuse under Penal Code Section 368. In addition to criminal prosecution, you may also be
sued in civil court.

I have read the foregoing notice and I understand the legal and fiduciary duties that I
assume by acting or agreeing to act as the agent (attorney-in-fact) under the terms of this power of






Durable Power of Attorney California



Frequent Sexual Activity Can Boost Brain Power in Older Adults

Summary: According to a new study, older people who engage in sexual activity on a frequent basis scored higher on tests that reflect cognitive abilities.

Source: Coventry University.

More frequent sexual activity has been linked to improved brain function in older adults, according to a study by the universities of Coventry and Oxford.

Researchers found that people who engaged in more regular sexual activity scored higher on tests that measured their verbal fluency and their ability to visually perceive objects and the spaces between them.

The study, published today in The Journals of Gerontology, Series B: Psychological and Social Sciences, involved 73 people aged between 50 and 83.

Participants filled in a questionnaire on how often, on average, they had engaged in sexual activity over the past 12 months – whether that was never, monthly or weekly – as well as answering questions about their general health and lifestyle.

The 28 men and 45 women also took part in a standardised test, which is typically used to measure different patterns of brain function in older adults, focussing on attention, memory, fluency, language and visuospatial ability.

This included verbal fluency tests in which participants had 60 seconds to name as many animals as possible, and then to say as many words beginning with F as they could – tests which reflect higher cognitive abilities.

They also took part in tests to determine their visuospatial ability which included copying a complex design and drawing a clock face from memory.

It was these two sets of tests where participants who engaged in weekly sexual activity scored the most highly, with the verbal fluency tests showing the strongest effect.

The results suggested that frequency of sexual activity was not linked to attention, memory or language. In these tests, the participants performed just as well regardless of whether they reported weekly, monthly or no sexual activity.

This study expanded on previous research from 2016, which found that older adults who were sexually active scored higher on cognitive tests than those who were not sexually active.

But this time the research looked more specifically at the impact of the frequency of sexual activity (i.e. does it make a difference how often you engage in sexual activity) and also used a broader range of tests to investigate different areas of cognitive function.

The academics say further research could look at how biological elements, such as dopamine and oxytocin, could influence the relationship between sexual activity and brain function to give a fuller explanation of their findings.

Lead researcher Dr Hayley Wright, from Coventry University’s Centre for Research in Psychology, Behaviour and Achievement, said:

“We can only speculate whether this is driven by social or physical elements – but an area we would like to research further is the biological mechanisms that may influence this.

“Every time we do another piece of research we are getting a little bit closer to understanding why this association exists at all, what the underlying mechanisms are, and whether there is a ‘cause and effect’ relationship between sexual activity and cognitive function in older people.

“People don’t like to think that older people have sex – but we need to challenge this conception at a societal level and look at what impact sexual activity can have on those aged 50 and over, beyond the known effects on sexual health and general wellbeing.”


Source: Coventry University
Image Source: NeuroscienceNews.com image is in the public domain.
Original Research: Full open access research for “Frequent sexual activity predicts specific cognitive abilities in older adults” by Hayley Wright, Rebecca A. Jenks, and Nele Demeyere in The Journals of Gerontology, Series B. Published online June 21 2017 doi:10.1093/geronb/gbx065

Coventry University “Frequent Sexual Activity Can Boost Brain Power in Older Adults.” NeuroscienceNews. NeuroscienceNews, 22 June 2017.


Frequent sexual activity predicts specific cognitive abilities in older adults

This study replicates and extends the findings of previous research (Wright, H., & Jenks, R. A. (2016). Sex on the brain! Associations between sexual activity and cognitive function in older age. Age and Ageing, 45, 313–317. doi:10.1093/ageing/afv197) which found a significant association between sexual activity (SA) and cognitive function in older adults. Specifically, this study aimed to generalize these findings to a range of cognitive domains, and to assess whether increasing SA frequency is associated with increasing scores on a variety of cognitive tasks.

Seventy-three participants aged 50–83 years took part in the study (38.4% male, 61.6% female). Participants completed the Addenbrooke’s Cognitive Examination-III (ACE-III) cognitive assessment and a questionnaire on SA frequency (never, monthly, or weekly), and general health and lifestyle.

Weekly SA was a significant predictor of total ACE-III, fluency, and visuospatial scores in regression models, including age, gender, education, and cardiovascular health.

Greater frequency of SA was associated with better overall ACE-III scores and scores on subtests of verbal fluency and visuospatial ability. Both of these tasks involve working memory and executive function, and links between sexual behavior, memory, and dopamine are discussed. The findings have implications for the maintenance of intimate relationships in later life.

“Frequent sexual activity predicts specific cognitive abilities in older adults” by Hayley Wright, Rebecca A. Jenks, and Nele Demeyere in The Journals of Gerontology, Series B. Published online June 21 2017 doi:10.1093/geronb/gbx065

Stop your cravings with purple fruits/veggies and power of your mind

purple.JPGI love purple yams so one day I was eating plums from my trees and it helped me curve my cravings for sweet. So I searched for resveratrol and plums which led me to the following info:

  1. Grapes – Containing many antioxidants, vitamins and minerals, all grapes are beneficial for your health. However, darker skinned grapes (deep purple to black) contain significantly more resveratrol. Found on the skin of dark-skinned grapes and other fruits and vegetables with a reddish or purplish pigment, resveratrol is responsible for the health benefits attributed to red wine. Experts believe resveratrol helps relax the arterial walls, decrease arterial pressure and promote healthful blood circulation. It has been shown to prevent cancer, lessen inflammation, improve blood sugar control, reduce blood pressure and improve cholesterol levels.
  2. Plums – This stone fruit is a great source of fiber, potassium, Vitamin A, Vitamin B2 and Vitamin C. Because a plum’s potassium level is so high, it can help manage high blood pressure and lower stroke risk. Plum consumption has been associated with helping control blood sugar; while dried plums – otherwise known as prunes – are known to promote regular bowel movements.
  3. Red Cabbage – Containing significantly more beneficial antioxidants than green cabbage, the rich purple color of red cabbage reflects it concentration of anthocyanins. In addition, red cabbage contains 36 different types of antioxidants as well as 6-8 times more Vitamin C than green cabbage. When steamed, this versatile, cruciferous vegetable possesses a significant cholesterol-lowering ability. When your diet is not full of this understated vegetable, supplementing with Cholesterol Support can help keep cholesterol levels in check.
  4. Purple Corn – Although not readily available in most supermarket produce sections, purple corn is extremely high in antioxidants. Dr. Monica Giusti, assistant professor of food science at Ohio State University, conducted research on several anthocyanin-rich extracts on human colon cancer cells. She found that purple corn was the most potent, in that it took the least amount of extract to cut cancer cell numbers in half. Keep your eyes open for products made from purple corn meal, including purple tortilla chips, cereals, snack bars and corn syrup. Although not as healthy as eating purple fruits and vegetables, purple corn offers more antioxidant benefits than its non-purple counterparts.
  5. Purple Carrots – Offering greater nutrition than their orange cousins, purple carrots are rich with anthocyanins and pro-Vitamin A carotenoids. These substances help with weight management, blood glucose control, fight H. Pylori (bacteria that can lead to stomach ulcers and urinary tract infections), cancer cell inhibition and cholesterol reduction. In an Australian study published in a 2005 edition of the American Journal of Clinical Nutrition, researchers found that the quantity of carotenoids consumed improved glucose metabolism and was associated with a reduced risk of Type 2 diabetes.

And do not forget the power of your mind and with help from the following tips to stop your cravings:


1. Drink Water

Thirst is often confused with hunger or food cravings.

If you feel a sudden urge for a specific food, try drinking a large glass of water and wait a few minutes. You may find that the craving fades away, because your body was actually just thirsty.

Furthermore, drinking plenty of water may have many health benefits. In middle-aged and older people, drinking water before meals can reduce appetite and help with weight loss.

Bottom Line: Drinking water before meals may reduce cravings and appetite, as well as help with weight loss.

2. Eat More Protein

Eating more protein may reduce your appetite and keep you from overeating.

It also reduces cravings, and helps you feel full and satisfied for longer.

One study of overweight teenage girls showed that eating a high-protein breakfast reduced cravings significant.

Another study in overweight men showed that increasing protein intake to 25% of calories reduced cravings by 60%. Additionally, the desire to snack at night was reduced by 50%.

Bottom Line: Increasing protein intake may reduce cravings by up to 60% and cut the desire to snack at night by 50%.

3. Distance Yourself From the Craving

When you feel a craving, try to distance yourself from it.

For example, you can take a brisk walk or a shower to shift your mind onto something else. A change in thought and environment may help stop the craving.

Some studies have also shown that chewing gum can help reduce appetite and cravings (7, 8).

Bottom Line: Try to distance yourself from the craving by chewing gum, going on a walk or taking a shower.

4. Plan Your Meals

If possible, try to plan your meals for the day or upcoming week.

By already knowing what you’re going to eat, you eliminate the factor of spontaneity and uncertainty.

If you don’t have to think about what to eat at the following meal, you will be less tempted and less likely to experience cravings.

Bottom Line: Planning your meals for the day or upcoming week eliminates spontaneity and uncertainty, both of which can cause cravings.

5. Avoid Getting Extremely Hungry

Hunger is one of the biggest reasons why we experience cravings.

To avoid getting extremely hungry, it may be a good idea to eat regularly and have healthy snacks close at hand.

By being prepared, and avoiding long periods of hunger, you may be able to prevent the craving from showing up at all.

Bottom Line: Hunger is a big reason for cravings. Avoid extreme hunger by always having a healthy snack ready.

6. Fight Stress

Stress may induce food cravings and influence eating behaviors, especially for women (9, 10, 11).

Women under stress have been shown to eat significantly more calories and experience more cravings than non-stressed women.

Furthermore, stress raises your blood levels of cortisol, a hormone that can make you gain weight, especially in the belly area.

Try to minimize stress in your environment by planning ahead, meditating and generally slowing down.

Bottom Line: Being under stress may induce cravings, eating and weight gain, especially in women.

7. Practice Mindful Eating

Mindful eating is about practicing mindfulness, a type of meditation, in relation to foods and eating.

It teaches you to develop awareness of your eating habits, emotions, hunger, cravings and physical sensations.

Mindful eating teaches you to distinguish between cravings and actual physical hunger. It helps you choose your response, instead of acting thoughtlessly or impulsively.

Eating mindfully involves being present while you eat, slowing down and chewing thoroughly. It is also important to avoid distractions, like the TV or your smartphone.

One 6-week study in binge eaters found that mindful eating reduced binge eating episodes from 4 to 1.5 per week. It also reduced the severity of each binge.

Bottom Line: Mindful eating is about learning to recognize the difference between cravings and actual hunger, helping you choose your response.

8. Get Enough Sleep

Your appetite is largely affected by hormones that fluctuate throughout the day.

Sleep deprivation disrupts the fluctuations, and may lead to poor appetite regulation and strong cravings .

Studies support this, showing that sleep-deprived people are up to 55% more likely to become obese, compared to people who get enough sleep).

For this reason, getting good sleep may be one of the most powerful ways to prevent cravings from showing up.

Bottom Line: Sleep deprivation may disrupt normal fluctuations in appetite hormones, leading to cravings and poor appetite control.

9. Eat Proper Meals

Hunger and a lack of key nutrients can both cause certain cravings.

Therefore, it’s important to eat proper meals at mealtimes. This way, your body gets the nutrients it needs and you won’t get extremely hungry right after eating.

If you find yourself in need of a snack between meals, make sure it’s something healthy. Reach for whole foods, such as fruits, nuts, vegetables or seeds.

Bottom Line: Eating proper meals helps prevent hunger and cravings, while also ensuring that your body gets the nutrients it needs.

10. Don’t Go to the Supermarket Hungry

Grocery stores are probably the worst places to be when you are hungry or have cravings.

First, they give you easy access to pretty much any food you could think of. Second, supermarkets usually place the unhealthiest foods at eye level.

The best way to prevent cravings from happening at the store is to shop only when you’ve recently eaten. Never — ever — go to the supermarket hungry.

Bottom Line: Eating before you go to the supermarket helps reduce the risk of unwanted cravings and impulsive buying.

11. Green juice, fresh with celery, parsley, ginger, carrots, cucumber and cooked spinach/kale.

Take Home Message

Cravings are very common. In fact, more than 50% of people experience cravings on a regular basis .

They play a major role in weight gain, food addiction and binge eating .

Being aware of your cravings and their triggers makes them much easier to avoid. It also makes it a lot easier to eat healthy and lose weight.

Power Phrases to get what you want by Meryl Runion

Stand up, power up and speak strong.

Speak in a way that elevates you and everyone who hears you.


Choose me as your retirement planner for the following reasons: I will help you allocate your idle money to give you lifetime retirement tax-free income with health benefits, I will serve you for a lifetime and help you find ways to save and support the lifestyle that you deserve.

I deserve a 15% raise because…Can you do that for me?

I need an additional week for this project. How can we make that happen?


1. It’s not what you say – it’s how you say it.

2. Sometimes silence is golden.

3. Don’t expect the world to communicate in powerphrases.

4. In some situations, no powerphrase will help.

5. Learn and practice the Runion rules for communication.
a. Pass Up Points at a Price
b. Swear Off Sarcasm.
c. Banish the Beam in your own eyes first.  The way you are communicating might be contributing to the way she speaks.
d. Judge you not. Know the difference between discernment and judgment.
e.Know their needs. When someone else needs to talk, it’s your turn to listen.
f. Balance your power
g. Remember the 24-hour power. Wait for 24 hours before you open your mouth.
h.Use your verbal litmus test


There is power when you act, no complaints just work your dreams

Do and Act what is entrusted to you to complete a task. There is power when you act.

Complain not for each one of us is given a choice to live and work as we wanted. At times, it takes time to reach our goals but each completed success lists each day is a step away to getting the one that you wanted, your dreams.  Freedom comes with a responsibility and a sense of fulfillment. Time is our tool, use it well. Surround yourself with the right people who will help you reach your goal.

It is easy to say we want to be successful but the path is not easy, as we have to grow and learn from our mistakes.

Many stories abound. Many years ago migrant farmers toiled the US soil to find success. Their great grandchildren found it through education.

Many worked 4 jobs while studying, they found success years later.

Many started as a working student at age 19 and found what they like to do best and succeeded before they turn 25.

Life is colorful and full of bliss for those who work for others or for themselves. The business man has to put more than 15 hours to care for his business.

The workers has only 8 hours to labor and get the other hours free to choose what they love to do the most.

Create your own success, we are given a free will as humans.

Live well.