six or eight months, and that's what the mortgage companies want to see. they don't trust it. there may be a court order, but until she see the check hit the bank on a monthly, consistent basis they're not going to -- >> from my own reporting, your credit can be dinged during this process because one person isn't paying the credit card bills, one person is. there's all of the things that can happen. most important thing here, what do you say to people when they're doing the divorce settlement? how do you make sure you protect yourself for the uncertainties of 10, 20 years down the row. a lot of people say i don't have health care, and now there's not as much in the 401(k) as i thought and they have to re-open it up. >> long-term financial planning before you sign your settlement agreement. you have to think about it to run the numbers. you have to say, how is this going to look after the divorce? when you're in the middle of divorce there's crisis, drama and emotion. it's difficult to think clearly about the finances on the other side of the divorce, but you know what? five years, ten years down the