{"id":786,"date":"2019-06-28T19:31:08","date_gmt":"2019-06-28T19:31:08","guid":{"rendered":"https:\/\/littlelawoffices.com\/?page_id=786"},"modified":"2021-03-24T09:22:08","modified_gmt":"2021-03-24T15:22:08","slug":"elder-law","status":"publish","type":"page","link":"https:\/\/littlelawoffices.com\/elder-law\/","title":{"rendered":"Elder Law"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;3.23&#8243; background_color=&#8221;#eae0c9&#8243; custom_padding=&#8221;24px||22px|||&#8221;][et_pb_row custom_padding=&#8221;0px||1px|||&#8221; _builder_version=&#8221;3.23&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/slider_placeholder.jpg&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;3.23&#8243; border_width_all=&#8221;5px&#8221; border_color_all=&#8221;#280009&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.23&#8243; global_module=&#8221;925&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/Screen-Shot-2019-06-26-at-4.12.58-PM.png&#8221; url=&#8221;\/events&#8221; _builder_version=&#8221;3.23&#8243;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/Screen-Shot-2019-06-26-at-4.13.13-PM.png&#8221; url=&#8221;\/legacy-design-worksheet&#8221; _builder_version=&#8221;3.23&#8243;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/Screen-Shot-2019-06-26-at-4.14.09-PM.png&#8221; url=&#8221;\/blogs&#8221; _builder_version=&#8221;3.23&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding=&#8221;||62px|||&#8221; custom_margin=&#8221;-25px|auto|-36px|auto||&#8221; background_color_1=&#8221;#f7f5e9&#8243; padding_top_bottom_link_1=&#8221;true&#8221; padding_top_bottom_link_2=&#8221;false&#8221; padding_left_right_link_1=&#8221;true&#8221; padding_top_1=&#8221;25px&#8221; padding_right_1=&#8221;25px&#8221; padding_bottom_1=&#8221;25px&#8221; padding_left_1=&#8221;25px&#8221; custom_css_main_1=&#8221;border: double #280009;&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;3.23&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_text _builder_version=&#8221;3.23&#8243; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Areas of Practice<\/h3>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/side_div.png&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;-18px||&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.23&#8243; text_font=&#8221;||||||||&#8221; text_line_height=&#8221;1.9em&#8221; global_module=&#8221;783&#8243; saved_tabs=&#8221;all&#8221;]<\/p>\n<p><a style=\"color: black;\" href=\"\/estate-planning\">-Estate Planning<br \/>\n<a style=\"color: black;\" href=\"\/asset-protection\"><a style=\"color: black;\" href=\"\/elder-law\">-Elder Law<\/a><br \/>\n<a style=\"color: black;\" href=\"\/asset-protection\">-Asset Protection<\/a><br \/>\n<a style=\"color: black;\" href=\"\/probate\">-Probate<\/a><br \/>\n<a style=\"color: black;\" href=\"\/business-planning\">-Business Planning<\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;3.23&#8243; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Locations<\/h3>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/side_div.png&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;-18px||&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;3.23&#8243;]Little Law Office,LLC<br \/>\n15530 E Broncos Pkwy, Ste 300<br \/>\nCentennial, CO 80112<br \/>\n(303) 520-6941[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/Screen-Shot-2019-06-26-at-4.55.13-PM-1.png&#8221; url=&#8221;https:\/\/clientdocx.com\/carlalittlelaw&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; global_module=&#8221;1041&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/payment_btn.png&#8221; url=&#8221;https:\/\/payments.lawpay.com\/bpl\/lp2358529&#8243; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; global_module=&#8221;1042&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/wc_logo.jpg&#8221; url=&#8221;http:\/\/www.wealthcounsel.com\/&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;3.23&#8243; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#aaaaaa&#8221; custom_margin=&#8221;||&#8221; global_module=&#8221;1043&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/af_logo.jpg&#8221; url=&#8221;http:\/\/www.advisorsforum.com\/&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;3.23&#8243; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#aaaaaa&#8221; global_module=&#8221;1044&#8243; 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reviews';}}}function send_with_ajax(the_url) {var httpRequest  = new XMLHttpRequest();httpRequest.onreadystatechange = function() {alertContents(httpRequest);};httpRequest.open(\"GET\", the_url, true);httpRequest.send(null);}send_with_ajax(\"https:\/\/www.avvo.com\/attorney-badges\/v3\/lawyers\/client-rating\/28940\");})(window);<\/script>[\/et_pb_code][et_pb_code _builder_version=&#8221;3.23&#8243; text_orientation=&#8221;center&#8221; global_module=&#8221;1355&#8243; saved_tabs=&#8221;all&#8221;]<a rel=\"me noopener noreferrer\" target=\"_blank\" href=\"https:\/\/www.avvo.com\/attorneys\/80112-co-carla-little-28940.html\"><img decoding=\"async\" alt=\"Avvo - Rate your Lawyer. Get Free Legal Advice.\" id=\"avvo_badge\" src=\"\/\/images.avvo.com\/avvo\/cms\/images\/amos_assets\/microbadge.png\" \/><\/a>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_text _builder_version=&#8221;3.23&#8243;]<\/p>\n<h1><span>Elder Law<\/span><\/h1>\n<p><span>Little Law Office has experience helping seniors plan for a secure future. One currently-effective planning technique is to transfer assets into a &#8216;Medicaid&#8217; trust. In a Medicaid trust, the trust maker retains the right to all of the trust income for life while irrevocably giving up the right to receive or benefit from any of the trust principal. The assets in the trust are not available to pay for the cost of the trust maker&#8217;s LTC.<\/span><\/p>\n<p><span>By using a Medicaid trust, a senior can preserve capital and still qualify for Medicaid, but only after expiration of the look-back period for the transfer to the trust (which can be as much as 60 months (5 years)). \u00a0The &#8216;penalty period&#8217; starts from the date the applicant applies for Medicaid and would be eligible but for the disqualifying transfer. Its length is determined by dividing the state&#8217;s average daily private pay nursing home cost into the total of the transfers made during the look-back period.<\/span><\/p>\n<p><span>For the Medicaid trust strategy to work, insurance, an income stream, or other assets must be sufficient to pay for LTC if needed during the waiting period before applying for Medicaid. \u00a0A Medicaid trust can allow the trustee to distribute principal during the trust maker&#8217;s lifetime for the benefit of the trust maker&#8217;s spouse, children, or other designated beneficiaries, just not to or for the benefit of the trust maker. Many trust makers choose to maintain the right (called a Special Power of Appointment) to change the current or ultimate beneficiaries of the Medicaid trust by &#8216;reappointing&#8217; the assets to different family members at a later date.<\/span><\/p>\n<p><span>Making Gifts<\/span><br \/><span>If a Medicaid trust is not desired, it is still possible to make &#8216;outright&#8217; gifts of property, wait until the look-back period expires, and then apply for Medicaid or use other planning techniques to qualify for Medicaid at the earliest possible date.<\/span><\/p>\n<p><span>Protecting the Home<\/span><br \/><span>If the home is the only asset to protect, a deed to children or others with a retained life estate for the client will protect both the property and the client&#8217;s Medicaid eligibility upon expiration of either 60 months from the date of the conveyance or the applicable &#8216;penalty period.&#8217; As with other advanced planning strategies, because the penalty period begins only after the applicant has applied for Medicaid and is otherwise eligible, other LTC funding should be available to get past the look-back period. \u00a0Even if the need for LTC is imminent or immediate, sophisticated Medicaid planning opportunities can be employed to protect a substantial portion of your assets. Carefully working within the Medicaid transfer rules can allow individuals to provide security for themselves and a legacy to their families, while ensuring that they will remain eligible to receive LTC under Medicaid when necessary.<\/span><\/p>\n<p><span>Conclusion<\/span><br \/><span>Contact elder law attorney Carla Little today to discuss your long term care options as an integral part of comprehensive wealth planning.<\/span><\/p>\n<p><span style=\"font-size: 11px; line-height: 9px !important;\">Little Law Offices assists clients with asset protection, business planning, business succession, charitable giving, elder law, estate planning, financial power of attorney, guardianship, inheritance tax strategy, legacy planning, life transitions, long term care, Medicaid, medical directives, Medicare, pensions, philanthropy, probate, retirement plans, Social Security, special needs planning, trusts, wealth management, what to do when someone dies, wills in Aurora, Bennett, Bow Mar, Castle Pines, Castle Rock, Centennial, Cherry Hills Village, Columbine Valley, Denver, Elizabeth, Englewood, Foxfield, Glendale, Greenwood Village, Highlands Ranch, Littleton, Lone Tree, Parker, Perry Park, Ponderosa Park, Sheridan, in Arapahoe County, Douglas County, and Elbert County, Colorado.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding=&#8221;||53px|||&#8221; custom_margin=&#8221;-25px|auto|-36px|auto||&#8221; background_color_2=&#8221;#f7f5e9&#8243; padding_top_bottom_link_1=&#8221;true&#8221; padding_top_bottom_link_2=&#8221;true&#8221; padding_left_right_link_1=&#8221;true&#8221; padding_left_right_link_2=&#8221;true&#8221; padding_top_2=&#8221;25px&#8221; padding_right_2=&#8221;25px&#8221; padding_bottom_2=&#8221;25px&#8221; padding_left_2=&#8221;25px&#8221; custom_css_main_2=&#8221;border: double #280009;&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;3.23&#8243;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_text _builder_version=&#8221;3.23&#8243;]<\/p>\n<h1><span>Elder Law<\/span><\/h1>\n<p><span>Little Law Office has experience helping seniors plan for a secure future. One currently-effective planning technique is to transfer assets into a &#8216;Medicaid&#8217; trust. In a Medicaid trust, the trust maker retains the right to all of the trust income for life while irrevocably giving up the right to receive or benefit from any of the trust principal. The assets in the trust are not available to pay for the cost of the trust maker&#8217;s LTC.<\/span><\/p>\n<p><span>By using a Medicaid trust, a senior can preserve capital and still qualify for Medicaid, but only after expiration of the look-back period for the transfer to the trust (which can be as much as 60 months (5 years)). \u00a0The &#8216;penalty period&#8217; starts from the date the applicant applies for Medicaid and would be eligible but for the disqualifying transfer. Its length is determined by dividing the state&#8217;s average daily private pay nursing home cost into the total of the transfers made during the look-back period.<\/span><\/p>\n<p><span>For the Medicaid trust strategy to work, insurance, an income stream, or other assets must be sufficient to pay for LTC if needed during the waiting period before applying for Medicaid. \u00a0A Medicaid trust can allow the trustee to distribute principal during the trust maker&#8217;s lifetime for the benefit of the trust maker&#8217;s spouse, children, or other designated beneficiaries, just not to or for the benefit of the trust maker. Many trust makers choose to maintain the right (called a Special Power of Appointment) to change the current or ultimate beneficiaries of the Medicaid trust by &#8216;reappointing&#8217; the assets to different family members at a later date.<\/span><\/p>\n<p><span>Making Gifts<\/span><br \/><span>If a Medicaid trust is not desired, it is still possible to make &#8216;outright&#8217; gifts of property, wait until the look-back period expires, and then apply for Medicaid or use other planning techniques to qualify for Medicaid at the earliest possible date.<\/span><\/p>\n<p><span>Protecting the Home<\/span><br \/><span>If the home is the only asset to protect, a deed to children or others with a retained life estate for the client will protect both the property and the client&#8217;s Medicaid eligibility upon expiration of either 60 months from the date of the conveyance or the applicable &#8216;penalty period.&#8217; As with other advanced planning strategies, because the penalty period begins only after the applicant has applied for Medicaid and is otherwise eligible, other LTC funding should be available to get past the look-back period. \u00a0Even if the need for LTC is imminent or immediate, sophisticated Medicaid planning opportunities can be employed to protect a substantial portion of your assets. Carefully working within the Medicaid transfer rules can allow individuals to provide security for themselves and a legacy to their families, while ensuring that they will remain eligible to receive LTC under Medicaid when necessary.<\/span><\/p>\n<p><span>Conclusion<\/span><br \/><span>Contact elder law attorney Carla Little today to discuss your long term care options as an integral part of comprehensive wealth planning.<\/span><\/p>\n<p><span style=\"font-size: 11px; line-height: 9px !important;\">Little Law Offices assists clients with asset protection, business planning, business succession, charitable giving, elder law, estate planning, financial power of attorney, guardianship, inheritance tax strategy, legacy planning, life transitions, long term care, Medicaid, medical directives, Medicare, pensions, philanthropy, probate, retirement plans, Social Security, special needs planning, trusts, wealth management, what to do when someone dies, wills in Aurora, Bennett, Bow Mar, Castle Pines, Castle Rock, Centennial, Cherry Hills Village, Columbine Valley, Denver, Elizabeth, Englewood, Foxfield, Glendale, Greenwood Village, Highlands Ranch, Littleton, Lone Tree, Parker, Perry Park, Ponderosa Park, Sheridan, in Arapahoe County, Douglas County, and Elbert County, Colorado.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.23&#8243;][et_pb_text _builder_version=&#8221;3.23&#8243; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Areas of Practice<\/h3>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/side_div.png&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;-18px||&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;3.23&#8243; text_font=&#8221;||||||||&#8221; text_line_height=&#8221;1.9em&#8221; global_module=&#8221;783&#8243; saved_tabs=&#8221;all&#8221;]<\/p>\n<p><a style=\"color: black;\" href=\"\/estate-planning\">-Estate Planning<br \/>\n<a style=\"color: black;\" href=\"\/asset-protection\"><a style=\"color: black;\" href=\"\/elder-law\">-Elder Law<\/a><br \/>\n<a style=\"color: black;\" href=\"\/asset-protection\">-Asset Protection<\/a><br \/>\n<a style=\"color: black;\" href=\"\/probate\">-Probate<\/a><br \/>\n<a style=\"color: black;\" href=\"\/business-planning\">-Business Planning<\/a><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;3.23&#8243; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221;]<\/p>\n<h3 style=\"text-align: center;\">Locations<\/h3>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/side_div.png&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;-18px||&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;3.23&#8243;]Little Law Office,LLC<br \/>\n15530 E Broncos Pkwy, Ste 300<br \/>\nCentennial, CO 80112<br \/>\n(303) 520-6941[\/et_pb_text][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/Screen-Shot-2019-06-26-at-4.55.13-PM-1.png&#8221; url=&#8221;https:\/\/clientdocx.com\/carlalittlelaw&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; global_module=&#8221;1041&#8243;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/payment_btn.png&#8221; url=&#8221;https:\/\/payments.lawpay.com\/bpl\/lp2358529&#8243; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; _builder_version=&#8221;3.23&#8243; global_module=&#8221;1042&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/wc_logo.jpg&#8221; url=&#8221;http:\/\/www.wealthcounsel.com\/&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;3.23&#8243; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#aaaaaa&#8221; custom_margin=&#8221;||&#8221; global_module=&#8221;1043&#8243;][\/et_pb_image][et_pb_image src=&#8221;https:\/\/littlelawoffices.com\/wp-content\/uploads\/2019\/06\/af_logo.jpg&#8221; url=&#8221;http:\/\/www.advisorsforum.com\/&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;3.23&#8243; border_width_all=&#8221;2px&#8221; border_color_all=&#8221;#aaaaaa&#8221; global_module=&#8221;1044&#8243;][\/et_pb_image][et_pb_code _builder_version=&#8221;3.23&#8243; text_orientation=&#8221;center&#8221; global_module=&#8221;1350&#8243; saved_tabs=&#8221;all&#8221;]<a rel=\"me noopener noreferrer\" target=\"_blank\" href=\"https:\/\/www.avvo.com\/attorneys\/80112-co-carla-little-28940.html\"><svg class=\"avvo-badge\" id=\"js-avvo-badge-rating\" style=\"enable-background:new 0 0 280 220; height: 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c-0.291,0.047-0.437,0.166-0.437,0.358c0,0.109,0.065,0.234,0.195,0.375l2.838,2.76l-0.671,3.899 c-0.011,0.073-0.016,0.125-0.016,0.156c0,0.109,0.027,0.201,0.082,0.277c0.054,0.075,0.136,0.113,0.246,0.113 c0.094,0,0.197-0.032,0.312-0.094l3.501-1.84l0,0l3.501,1.84c0.109,0.063,0.213,0.094,0.312,0.094 c0.104,0,0.183-0.038,0.238-0.113c0.054-0.075,0.082-0.168,0.082-0.277c0-0.068-0.003-0.12-0.008-0.156l-0.671-3.899l2.83-2.76 C200.094,67.631,200.161,67.506,200.161,67.392z\"><\/path><\/g><\/g><g><g id=\"js-avvo-review-star-5-28940\"><path class=\"st5\" d=\"M193.211,61.587l-2.434,3.874l-5.43,0.782c-0.404,0.064-0.606,0.228-0.606,0.492 c0,0.15,0.09,0.322,0.27,0.515l3.938,3.792l-0.93,5.356c-0.015,0.1-0.022,0.171-0.022,0.214c0,0.149,0.038,0.276,0.114,0.38 c0.075,0.103,0.189,0.156,0.341,0.156c0.13,0,0.274-0.043,0.433-0.129l4.857-2.527V61.148 C193.525,61.148,193.348,61.295,193.211,61.587z\"><\/path><path class=\"st5\" d=\"M198.507,77.018c0.15,0.086,0.293,0.129,0.428,0.129c0.142,0,0.252-0.053,0.327-0.156 c0.075-0.104,0.112-0.231,0.112-0.38c0-0.093-0.003-0.165-0.01-0.214l-0.921-5.356l3.888-3.792 c0.185-0.186,0.278-0.357,0.278-0.515c0-0.264-0.2-0.428-0.6-0.492l-5.377-0.782l-2.41-3.874 c-0.136-0.293-0.311-0.44-0.525-0.44c0,0,0,0,0,0v13.343l0,0L198.507,77.018z\"><\/path><\/g><\/g><\/g><\/g><text class=\"st6 st7 st8 st9 st12\" transform=\"matrix(1 0 0 1 98.2742 50.5013)\" x=\"40\">Reviews<\/text><text class=\"st10 st13 st12\" x=\"50%\" y=\"100\" id=\"js-avvo-client-reviews-count-28940\">out of 7 reviews<\/text><\/g><\/svg><\/a><script>(function(context) {if(context.Avvo) return;function alertContents(httpRequest) {if(httpRequest.readyState == 4) {if((httpRequest.status == 200) || (httpRequest.status == 0)) {var payload = JSON.parse(httpRequest.responseText);if(!payload.client_rating || !payload.reviews_count){ return; }var count = document.getElementById(\"js-avvo-client-reviews-count-28940\"),star1 = 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