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John R Frazier
Largo, FL Elder Law Lawyer with 24 years of experience
Free ConsultationElder
University of Florida Levin College of Law and University of Toledo College of Law
John R. Frazier J.D., LL.M., MBA is an experienced Medicaid planning attorney who has helped well over 3,000 clients qualify for nursing home or assisted living coverage with Medicaid. People just like you. He understands the problems facing seniors today and he knows how to use the current laws to help solve your Elder Law issues. Attorney Frazier also can help with Veterans Benefits for Aid & Attendance. Based in Largo, Florida, Attorney Frazier can help anyone in the state of Florida with no in-person office visit required.
Attorney Frazier has free audios, videos, eBooks, etc. on...
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Cheryl A. Ward
Melbourne, FL Elder Law Attorney with 7 years of experience
Elder, Estate Planning and Probate
Stetson University College of Law
Attorney Cheryl Ward will meet your legal needs and exceed your expectations. Mrs. Ward is a Florida Bar licensed attorney practicing throughout the state of Florida. It is her mantra that client satisfaction comes first.
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Katherine Barski
Leesburg, FL Elder Law Lawyer with 29 years of experience
Elder, Business, Estate Planning and Real Estate
Loyola University New Orleans
Katherine Barski is an associate attorney with the Central Florida law firm of Bogin, Munns & Munns. Her primary areas of practice are Estate planning, Probate, Litigation, Elder Law, and Real Estate. She received her M.B.A. from Nova Southeastern University (1993) and her J.D. from Loyola University New Orleans School of Law (1996). Ms. Barski has held the distinction of SuperLawyer since 2016.
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Walter B Shurden Jr.
Clearwater, FL Elder Law Lawyer with 26 years of experience
611 Druid Road East
Suite 712
Clearwater, FL 33756
Elder, Estate Planning and Probate
Mercer University Walter F. George School of Law
Walt Shurden is a Florida Board Certifed Elder Law Attorney and a former Georgia CPA who used to audit nursing homes and hopitals for a Medicare contractor. Now he represents families who seek Medicaid and VA eligibility because they need help paying for the high cost of long term care. He devises estate plans and asset protection plans for his clients. He also serves as fiduciary, and represents other fiduciaries in probate and trust administration proceedings. All four staff members are experienced and have been with the firm for over 10 years.
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Anne Sheffler Douglass
Bradenton, FL Elder Law Attorney with 47 years of experience
Elder, Estate Planning and Probate
Loyola University New Orleans
Anne grew up in Manatee County, Florida and has always served those in her community. She has witnessed the devastation caused by failure of families to plan for long term care, disabilities and end of life. Her goal is to make these life challenges easier to negotiate for the Senior as well as for the Senior’s family. Having practiced law here since 1977, she practices Elder Law which includes probate and estates, estate planning, guardianships, wills, trusts, durable powers of attorney, advance directives, Medicaid planning and Special Needs Trusts. In addition to her professional associations, Anne...
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Joseph Stuart Karp
Port St. Lucie, FL Elder Law Attorney with 51 years of experience
(800) 893-9911
1860 SW Fountainview Blvd.
Suite 100
Port St. Lucie, FL 34986
Elder, Estate Planning and Probate
Brooklyn Law School
I am a Florida Bar certified and nationally certified elder law attorney and the founder of The Karp Law Firm, with three Florida offices in Palm Beach Gardens, Boynton Beach and Port St. Lucie. My mission is to allay clients' fears and give them peace of mind with effective planning. No one can know the future, but we can prepare for whatever the future holds.
I can help with these issues:
Obtain Medicaid and/or V.A. benefits for clients facing the exorbitant cost of long-term nursing home care. Assets can often be preserved even if a loved one is already...
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Astrid de Parry
DeLand, FL Elder Law Lawyer with 46 years of experience
Elder, Business, Estate Planning and Probate
Cornell Law School
Providing expectional service to discerning clients in Central Florida for over 25 years in probate and estate planning matters, Astrid de Parry has extensive civil trial practice experience representing a broad range of interests. Upon graduating from Cornell University Law School in 1977, Ms. de Parry served as Assistant University Counsel for Cornell University from 1977 to 1980. Thereafter, she served as General Counsel for the University of Alaska Statewide System of Higher Education from 1980 to 1985. After moving to Florida in 1985, Astrid de Parry went to work for a large law firm in Orlando, focusing on...
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Dina Arvanitakis
Clearwater, FL Elder Law Attorney with 24 years of experience
(727) 516-0800
2451 N. McMullen Booth Rd., Suite 262
Clearwater, FL 33759
Elder, Business, Estate Planning and Probate
The John Marshall Law School
Dina Arvanitakis graduated from the University of Chicago and completed her Juris Doctorate & Master of Laws degree in International Business and Trade Law at the John Marshal Law School in 1999. Dina is licensed to practice law in Florida, Illinois and Washington D.C. Dina is a member of the Florida Board of Realtors and is a licensed real estate consultant with Real Net Brokerage.
Bilingual: English / Greek
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Matthew Alan Linde
Fort Myers, FL Elder Law Attorney with 31 years of experience
Elder, Estate Planning, Probate and Tax
Golden Gate University School of Law and University of Wisconsin Law School
Matthew A. Linde is passionate about justice in contested probate, guardianship and trust litigation matters. Mr. Linde is one of only a few attorneys in Florida who have attained Board Certification by the Florida Bar in Elder Law and also in Wills, Trusts and Estates. Certification is the Florida Bar’s highest evaluation of an attorney's competency, experience and professionalism in the areas of law approved for specialization. Do you need an Expert in Elder Law and Wills, Trusts and Estates? If so Matthew A. Linde has been evaluated for professionalism and tested for expertise!
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Daniel Hooper Smith
Sarasota, FL Elder Law Lawyer with 8 years of experience
Free ConsultationElder, Estate Planning and Probate
George Mason University School of Law
Daniel H. Smith is an elder law and estate planning attorney at Advocates in Aging, Law Office of Wiesner Smith PLLC in Sarasota, Florida, focusing on Elder Law, Medicaid Planning, Veterans Benefits, Wills, Trusts, and Estate Planning, Special Needs Planning, Probate and Trust Administration, Guardianship, and Assisted Living/Nursing Home Issues. Daniel is licensed to practice law in Florida and Virginia. Daniel is also a VA Accredited Attorney, and represents veterans and their families with benefits claims and appeals of VA Benefits decisions.
Daniel received his law degree with honors from the George Mason University School of Law in Arlington,...
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Billy Brown
Orlando, FL Elder Law Lawyer with 18 years of experience
Free ConsultationElder, Bankruptcy, Business and Real Estate
University of Florida Levin College of Law
Attorney Billy Brown specializes in the areas of commercial, business, corporate, real estate, timeshare, bankruptcy, and elder law. As a previous owner and consultant of businesses such as restaurants, medical offices, and internet companies, Attorney Brown understands the various needs of business entrepreneurs. Through his years of experience, he has witnessed many individuals face financial hardships due to numerous causes. Passionate about helping others, Attorney Brown committed his life to help those in need of legal representation. Prior to employment as a skilled lawyer, Attorney Brown began his pursuit when he attended the University of Central Florida. It...
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M. Michelle Robles
Sarasota, FL Elder Law Attorney with 6 years of experience
Elder, Business, Estate Planning and Probate
Stetson University College of Law and Barry University Dwayne O. Andreas School of Law
Michelle is a graduate of Stetson University College of Law with an L.LM in Elder Law, Barry University Dwayne O. Andreas School of Law with a Juris Doctor, State College of Florida with a Paralegal Certificate, University of South Florida - Sarasota/Manatee with a Bachelor's Degree in History, University of Phoenix with a Master in Accountancy, and Florida Metropolitan University with a Bachelor's in Accounting.
A firm believer in education, she continues to encourage others by being an Adjunct Professor at State College of Florida's Lakewood Ranch, Bradenton, and Venice Campuses since 2016. She teaches the Legal Research and...
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Stephen R. Williams
Trinity, FL Elder Law Lawyer with 37 years of experience
Elder, Bankruptcy, Estate Planning and Personal Injury
Cumberland School of Law, Samford University
I have handled just about every kind of case imaginable, from adverse possession to will contracts. I am the person who will handle your case from start to finish. Your case will not be turned over to a secretary, never to be heard from me again. You will even have my cell number.
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Karen Harkness Houser
Orlando, FL Elder Law Attorney with 33 years of experience
(855) 473-1818
1000 Legion Place, Suite 1000
Gateway Center
Orlando, FL 32801
Elder, Business, Estate Planning and Real Estate
St. Thomas University School of Law
Karen Harkness Houser is an attorney with the Central Florida law firm of Bogin, Munns & Munns, operating out of the firm's Melbourne office. She specializes in Commercial & Residential Real Estate, Corporate Law, Estate Planning, and Elder Law.
She graduated from Virginia Tech with her B.S. in 1981 and received her J.D. from the St. Thomas University School of Law in 1991. In 1992, Ms. Houser earned her LL.M in Taxation from the esteemed College of William and Mary.
She has handled numerous cases including Office, Warehouse, Shopping Center & Hotel Projects, Acquisition & Disposition of Raw Land, Construction...
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Clayton Patterson
Maitland, FL Elder Law Attorney with 9 years of experience
Free ConsultationElder, Business, Estate Planning and Probate
Florida A&M University College of Law
Clay was born and raised in Orlando, Florida. He received his Bachelor of Science from Florida State University in Tallahassee, Florida in 2010. He then worked in the Orlando area and began law school the next year at Florida Agricultural and Mechanical University in Orlando where he received his Juris Doctorate degree in 2014. He enjoys learning about the world around him and spending time doing outdoor activities. Coming from a large family, he is very passionate about helping others through his legal services.
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Amy B. Van Fossen
Melbourne, FL Elder Law Attorney with 20 years of experience
Elder, Estate Planning and Probate
Barry University Dwayne O. Andreas School of Law
Amy B. Van Fossen established The Law Office of Amy B. Van Fossen P.A. (formerly The Law Office of Amy B. Jackson P.A.) in 2004. Amy was born and raised in southeastern Ohio and has two daughters, Katie and Savannah, who both share her passion for our elder community. Savannah provides medical care to the elder community as an RN. Katie is a second-generation attorney, chairing the Probate, Medicaid & VA departments at the Law Office of Amy B. Van Fossen, P.A.
Ms. Van Fossen received her undergraduate degree in Organizational Behavior from Rollins College and earned her JD from Barry...
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Krista Leigh Rush
Melbourne, FL Elder Law Attorney with 25 years of experience
Elder, Estate Planning and Social Security Disability
North Carolina Central University School of Law
Social Security Disability and Retirement, Estate Planning, Elder Law, Veterans Benefits. Krista L. Rush is a seasoned attorney representing clients for over twenty years in Brevard County, including Melbourne, Palm Bay, Rockledge and Titusville. We love helping individuals and families of all ages and all backgrounds. Come see why working with an attorney one on one makes a difference!
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Debra G Simms
Fruitlando, FL Elder Law Attorney with 36 years of experience
Elder, Arbitration & Mediation, Estate Planning and Probate
Cleveland State University Cleveland-Marshall College of Law
I am a Board Certified Elder Law attorney practicing primarily in the areas of Estate Planning, Medicaid Asset Protection, Probate, Guardianship, Family Law, and Bankruptcy. These are all areas which affect senior citizens. I have 3 locations to best serve my clients: The Villages, Orlando, and Volusia County, FL
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John T. Marshall
Wildwood, FL Elder Law Lawyer with 19 years of experience
Free ConsultationElder and Estate Planning
University of Akron
Before becoming an attorney, I spent 7 years in the insurance and financial services industry. I became frustrated with the fact my “client” was not the person I was selling insurance or financial services to but was instead the company for which I worked. I decided to become a lawyer because the client – the person I represent – is the one to whom I owe my loyalty.
From the moment I entered law school I knew I wanted to practice estate planning and related areas of law because they were directly related to my prior work experience;...
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Tee Persad
Orlando, FL Elder Law Attorney with 30 years of experience
Elder, Appeals, Arbitration & Mediation and Estate Planning
New York University School of Law and University of Akron
Mr. Persad has worked in the legal profession for over 20 years. He is licensed to practice law in Florida, the United States Virgin Islands, the Third Circuit Court of Appeals, the Eleventh Circuit Court of Appeals, and before the U.S. Supreme Court. He earned his Juris Doctor degree and his Masters in Public Administration degree from the University of Akron in 1993 and 1994, respectively. He also holds a Bachelors of Arts in Business Administration from the University of the Virgin Islands and a diploma in paralegal studies from New York University.
Mr. Persad's experience in the legal field...
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Cynthia VanDeVoorde Hall
Palm Bay, FL Elder Law Lawyer with 21 years of experience
Elder, Business, Estate Planning and Probate
Georgetown University Law Center
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Diane Baltzelle McWhirter
Winter Park, FL Elder Law Attorney with 42 years of experience
Elder, Arbitration & Mediation, Bankruptcy and Estate Planning
University of Florida
This Florida native attended University of Florida Law School after graduating from Duke University. She is AV rated by Martindale Hubbell peer review rating system. This is their highest rating. Avvo national ratings gave her an excellent rating.
The office practice includes bankruptcy, landlord tenant, foreclosure, family law, estate planning including wills and trusts, and probate and guardianship matters.
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Susan Charles
Largo, FL Elder Law Lawyer with 20 years of experience
Free ConsultationElder and Estate Planning
Stetson University College of Law and Stetson University College of Law
Susan M. Charles, J.D., LL.M. (Elder Law)
Attorney Susan Marie Charles is a Martindale-Hubbell "AV Preeminent" peer review rated elder law attorney practicing in Clearwater, Largo, St. Petersburg, and Tampa, Florida. She provides comprehensive legal services to people in the Tampa Bay area who need assistance with estate planning, Medicaid planning, guardianship, and trust and estate administration.
A native of Rockville, Maryland, Susan enjoyed a 10-year career as an international travel consultant in Washington, D.C., San Francisco, and Tampa. A King-O'Neal Scholar, she graduated first in her undergraduate class, receiving her Bachelor's Degree Summa Cum Laude from the University of South...
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D. Michael Lins
Tampa, FL Elder Law Lawyer with 40 years of experience
Free ConsultationElder, Estate Planning, Personal Injury and Probate
Florida State University College of Law
I am an attorney with over thirty years of law practice experience in the Tampa Bay area. My practice concentrates in the areas of estate planning, probate, estate litigation, elder law, business and contract law, personal injury and wrongful death, .
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Jonathan Corchnoy
Sarasota, FL Elder Law Lawyer with 43 years of experience
Free ConsultationElder, Education and Personal Injury
American University Washington College of Law
Jonathan S. Corchnoy
has been practicing law for over 40 years in the Philadelphia metropolitan area and now has opened an office in Sarasota, Florida. He is licensed to practice law in Florida, Pennsylvania, and New Jersey, is a member of The Council of Parent Attorneys and Advocates (COPAA). Prior to coming to the Philadelphia area after graduating from law school, he clerked with the United States Department of Justice, Tax division. He is a 1981 graduate of American University’s Washington College of Law in Washington, D.C., and Allegheny College, in Meadville, PA. He spent his youth growing up...
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Adam B. Portnow
Sarasota, FL Elder Law Lawyer with 16 years of experience
Free ConsultationElder
St. Thomas University School of Law
The Law Office of Adam B. Portnow, P.L. is an Intellectual Property & General Law practice providing competent, cost-effective representation for clients throughout the State of Florida.
Adam Portnow is a graduate of St. Thomas University School of Law in Miami, Florida. Prior to completing law school, he received his Bachelor of Science degree in Digital Arts and Sciences from the University of Florida College of Computer Information Sciences and Engineering.
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Justin A. Meyer
Orlando, FL Elder Law Lawyer with 13 years of experience
(321) 888-3334
6900 Tavistock Lakes Boulevard
Suite 400
Orlando, FL 32827
Free ConsultationElder, Business, Estate Planning and Probate
William & Mary Marshall-Wythe School of Law
I have worked for Finra, a financial regulator; LeClairRyan; and the Legal Aid Society of Eastern Virginia. I have been recognized as a Technology Litigation Fellow by the Center for Legal and Court Technology, in Williamsburg, Virginia and was selected to participate in the Center’s annual lab trial. I focus on corporate law and estate planning for the small business owner. During my time at Finra, I worked in Registration and Disclosure, developing policies relating to past criminal sanctions, as well as assisting in decisions regarding expungment of customer complaints against registered brokers. While at LeClairRyan, I...
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Amanda O. Singleton
St. Petersburg, FL Elder Law Attorney with 19 years of experience
Elder, Bankruptcy, Estate Planning and Probate
Stetson University
Amanda O. Singleton is an AV-Preeminent rated attorney who focuses her practice on estate planning, probate, guardianship, and caregiver advocacy. She writes and speaks nationally as an AARP Family Caregiving Expert. Amanda serves clients in Tampa Bay and throughout the state of Florida.
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Spiro J. Verras
St. Petersburg, FL Elder Law Attorney with 31 years of experience
Elder, Business, Estate Planning and Probate
Tulane University School of Law
Spiro’s professional background includes estate planning and probate, elder law, corporate and business law, real estate and closings, intellectual property, civil litigation of all types, with wide experience in admiralty and environmental law, serious personal injury and probate litigation. He has handled class actions, consumer protection, and privacy matters, and was the first attorney to sue Microsoft in the In Re Microsoft Consumer Antitrust Litigation. He has also pursued claims against major financial institutions on behalf of defrauded customers, and he has tirelessly championed civil rights suits.
A native of Tarpon Springs, Florida, Spiro was formerly a partner at Jones, Verras...
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Megan M. Kelly
Naples, FL Elder Law Attorney with 6 years of experience
Elder, Business and Estate Planning
The University of Denver Sturm College of Law
Megan M. Kelly, Attorney at Law concentrates on estate planning, business law, and real estate law in Naples, FL and all of Southwest Florida.
As a mobile attorney in Naples, Megan provides personalized legal solutions to individuals and families, assisting with wills, trusts, durable powers of attorney, advance medical or health care directives, and any other documents related to legal life planning.
Megan M. Kelly also offers subscription-based strategic business consulting to corporate clients of all sizes and stages of growth from startup to ongoing business needs including contract preparation and review, pre-litigation consulting, and risk mitigation.
Contact Your Naples Attorney, Megan M....
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Carolyn Norton
Vero Beach, FL Elder Law Lawyer with 44 years of experience
(772) 257-5751
2770 Indian River Boulevard
Suite 309
Vero Beach, FL 32960
Elder, Estate Planning and Probate
Seton Hall University School of Law
Carolyn Butler Norton, Board Certified Elder Law Attorney, works passionately as an advocate for the senior population and their families. Ms. Norton believes that the practice of Elder Law should be comprehensive, focusing on a Life Care Planning Approach. She works closely with her clients, educating and assisting them with long-term care planning options including asset protection, healthcare and financial choices, and end of life decisions.
Recognizing the particular needs of the Treasure Coast population, attorney Norton limits her practice to the areas of elder law, estate planning, wills and trusts, special needs trusts, guardianship, Veterans Aid & Attendance,...
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Judith Paul
Inverness, FL Elder Law Lawyer with 18 years of experience
Elder and Estate Planning
Thomas M. Cooley Law School
• I am the owner of the Law Office of Judith B. Paul, LC in Inverness, Florida, and a second career attorney practicing law since 2005 after graduating from Thomas M. Cooley Law School in 2005.
After nearly three years as a staff attorney in the probate and guardianship division for the family and civil courts of the Eighth Judicial Circuit in Gainesville, Florida and traveling to all six counties within the Circuit, including Alachua, Baker, Bradford, Gilchrist, Levy, and Union I went into private practice.
We lived in Gainesville for nearly 15 years and recently my husband and I ...
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Jeffrey Attia
Fort Myers, FL Elder Law Lawyer
Free ConsultationElder, Estate Planning and Probate
Florida State University College of Law
Jeffrey Attia's practice focuses on assisting people through the probate and estate settlement process and on helping people preserve their wishes and secure their loved ones’ future with personalized and custom estate plans.
People who have recently lost a loved one and who are also responsible for administering their loved one's estate often face challenges. At The Law Office of Jeffrey Attia, PA, we effectively guide our clients each step of the way throughout the probate and estate settlement process. And we do so in a timely and cost-efficient manner.
Jeffrey Attia is a member of the Elder Law Section of The...
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Tyler G. Puttick
Melbourne, FL Elder Law Attorney with 10 years of experience
(772) 231-4440
1901 South Harbor City Blvd
Suite 500
Melbourne, FL 32901
Elder, Estate Planning, Probate and Real Estate
Stetson University College of Law
Tyler Puttick joined the law firm of Rossway Swan in 2018 and practices in the areas of real estate law, probate and trust administration, estate planning and general corporate law. Prior to joining the Firm, Mr. Puttick served as a Law Clerk for the Firm in 2013 and later practiced at a boutique firm serving clients on the Treasure and Space Coasts.
Mr. Puttick earned his Juris Doctor degree from Stetson University College of Law, where he was a member of the selective Elder Law Concentration Program and the Elder Law Society. He received a Certificate of Concentration in Elder Law...
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Ruth Rhodes
Melbourne, FL Elder Law Attorney with 19 years of experience
Elder, Estate Planning and Probate
Florida A&M University College of Law
Attorney Ruth Rhodes is the owner of Rhodes Law, P.A., a Helping Seniors of Brevard Board Member, and a resident business at One Senior Place. Ruth C. Rhodes and Rhodes Law, P.A. help individuals and families with all areas of Elder Law, which includes, but not limited to, Estate Planning, Wills and Trusts, Powers of Attorney, Guardianship, Probate and Trust Administration, and Medicaid Planning.
She graduated Valedictorian from the College of Law at Florida A&M University, and has more than 20 years of experience working in the legal field with more than 12 years as a practicing attorney.
Ms. Rhodes understands...
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Jessica Lynn Silva
Melbourne, FL Elder Law Lawyer
Elder, Arbitration & Mediation, Estate Planning and Probate
Florida A&M University College of Law
Jessica practices as an attorney in the areas of Estate Planning, Trust Administration, Probate Administration and Elder Law. In addition, Jessica is also a Florida Supreme Court Certified County Mediator. Prior to starting her own firm, Law Office of Jessica Lynn Silva, PLLC, Jessica was an Associate Attorney with Panouses Law Group.
Before practicing law, Jessica garnered legal experience through her previous roles as Judicial Assistant to Brevard County Judge David E. Silverman for four years, and as a Civil Litigation Paralegal, Real Estate Paralegal, Certified Notary Signing Agent, Real Estate Agent, Florida Mortgage Broker, Real Estate...
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Steven W. Ledbetter
Venice, FL Elder Law Lawyer with 23 years of experience
Free ConsultationElder, Business, Estate Planning and Real Estate
Lewis And Clark College - Northwestern School of Law
Steven W. Ledbetter works from his Venice, Florida, office on matters involving estate planning and administration, business transactions and corporate law, real estate, construction law, contract, and title insurance matters.
Steven W. Ledbetter has been practicing law since 2002. His practice has included work in a wide range of subject areas while representing a wide range of clients including the federal government, corporations, financial institutions, and individuals. His practice has taken him from the mountains and rain of Portland, OR, to the shops and great restaurants of Dallas, TX, and finally back to his home state of Florida...
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Christine R. O'Neil
Seminole, FL Elder Law Lawyer with 11 years of experience
Elder, Estate Planning and Probate
Stetson University College of Law
Christine O'Neil is an estate planning and elder law attorney at the law office of DeLoach, Hofstra & Cavonis, P.A. in Seminole, FL.
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Kristen Marena Jackson
Orlando, FL Elder Law Attorney with 41 years of experience
Elder, Business, Estate Planning and Real Estate
Washington University School of Law and Stetson University
Attorney Kristen M. Jackson is the founding partner at Jackson Montoya Law Firm. She received her Bachelor of Arts degree from The Art Institute of Fort Lauderdale in 1974, and then another from the University of South Florida in 1981. Ms. Jackson then earned a Juris Doctorate from Stetson University in 1983, and an LLM in Taxation from Washington School of Law in 1983. Attorney Jackson established Jackson Montoya Law firm in 1996, after working for various other firms for 12 years. At the firm, Ms. Jackson focuses her practice on estate planning, probate and trust administration, elder law, business...
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Stephanie Edwards
St Petersburg, FL Elder Law Lawyer with 16 years of experience
Free ConsultationElder, Estate Planning and Probate
University of Richmond School of Law and Stetson University College of Law
Are you looking for an elder law lawyer in St. Petersburg? Stephanie Edwards of Edwards Elder Law, P.A. is dedicated to providing seniors, veterans, and family members with the compassionate and diligent representation needed to handle concerns of care and future planning. Ms. Edwards understands the necessity of personalized service when handling these sensitive matters. She believes in the importance of thoroughly listening and learning about a client’s unique situation and needs before creating a legal strategy or plan to address their concerns. Attorney Edwards received her J.D. from the University of Richmond T.C. Williams School of Law and later...