In re Marriage of Woodrum , 2018 IL App (3d) 170369 ( 2019 )


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    Appellate Court                          Date: 2019.02.05
    13:51:00 -06'00'
    In re Marriage of Woodrum, 
    2018 IL App (3d) 170369
    Appellate Court        In re MARRIAGE OF GREGORY W. WOODRUM, Petitioner-
    Caption                Appellee and Cross-Appellant, and JENNIFER L. WOODRUM,
    Respondent-Appellant and Cross-Appellee.
    District & No.         Third District
    Docket No. 3-17-0369
    Filed                  September 20, 2018
    Decision Under         Appeal from the Circuit Court of McDonough County, No. 15-D-83;
    Review                 the Hon. William E. Poncin, Judge, presiding.
    Judgment               Affirmed.
    Counsel on             Emily Sutton, of Lucie, Scalf, Sutton & Bougher, of Macomb, for
    Appeal                 appellant.
    Stanley L. Tucker and Carissa Ann Bryant, of Tucker, Hartzell &
    Bryant, of Carthage, for appellee.
    Panel                  PRESIDING JUSTICE CARTER delivered the judgment of the court,
    with opinion.
    Justices Schmidt and Wright concurred in the judgment and opinion.
    OPINION
    ¶1       Prior to their marriage, petitioner, Gregory W. Woodrum (Greg), and respondent, Jennifer
    L. Woodrum, executed a prenuptial agreement. After eight years of marriage, Greg filed a
    petition for dissolution of marriage. During the pendency of the proceedings, the trial court
    awarded Jennifer temporary maintenance and, subsequently, found the parties’ prenuptial
    agreement was valid and enforceable. On appeal, Jennifer argues (1) the prenuptial agreement
    was not valid and enforceable and (2) the trial court prematurely entered a judgment without
    properly addressing “the issue of property.” On cross-appeal, Greg argues the trial court erred
    by awarding temporary maintenance to Jennifer. We affirm.
    ¶2                                             FACTS
    ¶3       In 2001, Greg and Jennifer began a relationship, and Jennifer moved into Greg’s home
    shortly thereafter. Each party had been previously divorced twice and each had two children
    from their prior marriages. When Greg and Jennifer spoke of getting married, the discussions
    included executing a prenuptial agreement. Prior their marriage, the parties executed an
    “Agreement Prior to Marriage” (premarital agreement) on June 13, 2007. Greg and Jennifer
    married on July 29, 2007. Eight years later, on September 16, 2015, Greg filed a petition for
    dissolution of marriage. Greg was 58 years old and Jennifer was 61 years old at that time. No
    children were born out of their marriage.
    ¶4                                        I. Temporary Relief
    ¶5        On November 6, 2015, Jennifer filed a petition for temporary relief for Greg to maintain
    her health insurance and provide a vehicle and temporary maintenance during the proceedings.
    In response, Greg argued that the parties’ premarital agreement precluded an award of
    temporary maintenance. He further argued that the premarital agreement could not be
    circumvented because Jennifer could not prove that she was entitled to maintenance due to an
    undue hardship that was not reasonably foreseeable at the time of the execution of the
    premarital agreement, as required to negate the terms of the premarital agreement under
    section 7(b) of the Illinois Uniform Premarital Agreement Act (Illinois Premarital Agreement
    Act). See 750 ILCS 10/7(b) (West 2016) (providing that if a premarital agreement modifies or
    eliminates spousal support that would cause a party “undue hardship in light of circumstances
    not reasonably foreseeable at the time of the execution of the agreement, a court,
    notwithstanding the terms of the agreement, may require the other party to provide support to
    the extent necessary to avoid such hardship”).
    ¶6        On February 1, 2016, Jennifer amended her petition for temporary relief arguing that the
    terms of the premarital agreement only precluded maintenance “upon divorce or dissolution of
    marriage” and, alternatively, even if the premarital agreement precluded temporary
    maintenance, she should be awarded temporary maintenance pursuant to section 7(b) of the
    Illinois Premarital Agreement Act because eliminating temporary maintenance would cause
    her undue hardship in light of the unforeseen circumstance of Greg instructing her to leave his
    home as a result of her attending religious services as a Jehovah’s Witness. Jennifer claimed
    that an undue hardship would result because her client relationships and book of business
    related to selling insurance had lapsed with Greg’s knowledge and for his benefit of being able
    to help raise his children and take care of domestic duties.
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    ¶7         In response to Jennifer’s amended petition, Greg indicated that he earned a substantially
    higher income than Jennifer because Jennifer was “unemployed by choice.” He denied
    Jennifer’s business relationships and book of business had lapsed “for his benefit” and denied
    that Jennifer had no way to support herself. Greg admitted that the reason he told Jennifer to
    leave the home was because she was attending religious services at the Jehovah’s Witness
    Kingdom Hall but contended that prior to their marriage Jennifer had told him that she was no
    longer a Jehovah’s Witness. Greg further denied that Jennifer had been out of the workforce
    for a number years, indicating that she had worked at a grocery store in the summer of 2015 but
    had turned down an employment offer at a store located in Macomb, Illinois.
    ¶8         In determining whether to grant Jennifer’s request for temporary relief, the trial court heard
    evidence and both parties submitted financial affidavits. Greg’s financial affidavit, submitted
    as of June 16, 2016, showed that his income was $70,241 the previous year, his gross salary
    was $5720 per month, his monthly interest and dividend income was $222.83, and his monthly
    partnership income was $638.50. He had a First State bank account (only in his name) with
    $2000, investments were worth $28,000 (with Edward Jones and AG Edwards), his home was
    worth $230,000, and he had three vehicles—a 1964 Nova, a 1969 Camaro, and another 1969
    Camaro, worth $35,000, $28,000, and $25,000, respectively. He also had a 20% interest in his
    family’s business, Woodrum Automotive, Inc. (Woodrum Automotive), a pension worth
    $181,000, and an individual retirement account (IRA) (DWS Trust) worth $3000. Greg had
    transferred or sold his interest in, or the assets or property of, Wayne Woodrum, Inc., on March
    3, 2014, for $350,868.
    ¶9         There was no court reporter during the proceedings, but the trial court subsequently
    certified a bystander’s report submitted by Greg. According to the bystander’s report, Jennifer
    testified that she was selling insurance when she moved in with Greg in 2001. Jennifer was still
    selling insurance at the time of the parties’ marriage in 2007, but Jennifer had been decreasing
    her workload over time. Jennifer never specifically told Greg that she was going to quit selling
    insurance. Jennifer moved out of Greg’s home in 2015, and in early 2016 she had begun
    working part-time at a grocery store but quit after a few months and had not looked for another
    job. Jennifer acknowledged that she had negotiated marital settlement agreements in both of
    her prior divorces. Jennifer also acknowledged that she entered into the prenuptial agreement
    with Greg but testified that she was not aware that C. Don Weston was her attorney at the time.
    ¶ 10       Weston testified that Jennifer had consulted with him regarding the impact and
    consequences of her premarital agreement with Greg. Weston’s normal practice and custom
    was to review everything in the agreement with his client. Weston spent 1.5 hours over the
    course of two meetings with Jennifer regarding the prenuptial agreement. It was Weston’s
    opinion that under the agreement the parties had waived maintenance under all circumstances,
    including temporary maintenance. Weston believed that Jennifer understood the contents of
    the prenuptial agreement.
    ¶ 11       Greg testified that when he and Jennifer had married in 2007, his two children were 20 and
    23 years old and were out of the home. While Jennifer’s work dwindled over time, Greg had
    never told Jennifer to quit her job. Executing a premarital agreement was something that
    Jennifer and Greg discussed from the beginning of their relationship in 2001.
    ¶ 12       The trial court granted Jennifer’s request for temporary relief, finding that under the
    premarital agreement the parties had only waived maintenance “upon dissolution”—not upon
    the filing of a petition for dissolution of marriage. Jennifer was awarded $1137 per month in
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    temporary maintenance.
    ¶ 13                          II. Validity of the Prenuptial Agreement
    ¶ 14       On November 23, 2016, a hearing began regarding the validity of the parties’ prenuptial
    agreement. The following evidence was presented.
    ¶ 15                                     A. Prenuptial Agreement
    ¶ 16      The prenuptial agreement indicated, in pertinent part, as follows:
    “RECITALS
    WHEREAS, the Parties have exchanged promises to marry and intend to solemnize
    the same in the near future; and
    WHEREAS, each of the parties individually holds certain property, and owes
    certain debts, the nature, extent, and estimated value of which has been fully disclosed
    to the other party (as set forth in the attached schedules); and,
    WHEREAS, the Parties desire and intend to define their respective rights in the
    property of the other, both during the marriage relationship and after its termination,
    and to avoid such interests which, except for the operation of this Agreement, each
    might acquire in the property of the other as incidents of their marriage relationship;
    and,
    WHEREAS, each Party desires that his or her respective property, both real and
    personal, shall pass to his or her designated beneficiaries.
    GENERAL STATEMENTS OF INTENTIONS: *** [T]he parties, generally state
    their intentions for this Agreement as follows:
    a. While the parties fully intend to commit themselves to achieving a successful
    long-term marriage and intend and desire to provide fairly and reasonably for the
    support of each other, each party is personally aware of the practicalities and
    realities of life, together with the time and financial and emotional cost involved in
    the unfortunate event of a legal proceeding concerning the parties’ separation or
    dissolution. Each party intends, by entering into this Agreement to minimize that
    time, financial and emotional cost involved in the event of a future separation or
    dissolution of marriage between them.
    ***
    IT IS, THEREFORE, AGREED:
    1. DISCLOSURE OF PROPERTY
    A full and complete disclosure of all property owned by the Parties, both real and
    personal, tangible and intangible, and all debts has been made to each other, and
    schedules of the respective property and debts of each Party are attached hereto as
    Exhibit A for Husband and Exhibit B for Wife, and are hereby incorporated by
    reference.
    2. RELEASE OF MARITAL RIGHTS
    Except as herein otherwise provided, the property of the Parties, as listed in their
    respective schedules attached hereto and made a part hereof as Exhibits A and B,
    together with any property which they may have omitted inadvertently therefrom, any
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    property they may hereafter acquire *** and all interest, rents, profits, and increased
    value which may in time accrue or result in any manner, or any other property or
    interest in property owned by either Party, shall be owned as separate property of such
    Party during marriage. It is specifically understood and agreed that said property and
    any property acquired in the separate name of either party after the marriage shall be
    “non-marital” property. Each Party hereby waives, discharges, and releases all right,
    title, and interest in and to the property of the other Party now owned, hereafter
    acquired, or acquired from the proceeds of any property now owned.
    *** [A]ny appreciation of such separate property shall also be deemed separate
    property, whether or not this appreciation in value is due to improvements made
    directly or indirectly by the contribution of either party’s labor, separate funds, or
    separate property, to the property of the other. *** [A]ppreciation in value of any of the
    property described in this paragraph shall not be considered in making any division of
    any marital property of the marital estate, if any there be, upon a divorce or dissolution
    of marriage, except herein provided.
    Each Party shall have the absolute and unrestricted right to manage, control,
    dispose of, or otherwise deal with such separate property free from any claim that may
    be made by the other by reason of their marriage, and with the same effect as if no
    marriage had been consummated between them.
    Husband and Wife do hereby covenant and agree that any property now owned or
    conveyed by either party to this agreement to the other, or hereafter acquired by
    Husband and Wife, as tenants by the entirety or joint tenants with right of survivorship
    or which is held in the name of one as a trustee for the benefit of the other, or in which
    the Parties are co-owners, survivors, or named beneficiary, or held in tenancy in
    common, shall, upon divorce or dissolution of marriage, be awarded to each in
    proportion to the contribution of their separate funds to the acquisition of such
    property.
    ***
    6. NO LIMTIATION ON TRANSFERS TO EACH OTHER DURING LIFE
    Nothing in this Agreement shall affect the right of either Party voluntarily to
    transfer real or personal property to the other, or the right to receive property so
    transferred by the other, during their lifetime.
    In the event either Party invests in or contributes money or funds toward property
    of the other Party, in the event of a divorce, the Party so investing shall be entitled to a
    credit or refund of such amount less depreciation, if appropriate.
    ***
    8. MAINTENANCE
    In consideration of the promises and marriage of the Husband and Wife in this
    Agreement, the Husband and Wife hereby declare that each is currently
    self-supporting. Each party states to the other that their educational background and
    work experience have allowed them to acquire valuable and readily marketable
    employment skills and their separate assets, and that by virtue of those skills and assets
    both are able to support themselves through appropriate employment or business and
    are possessed of sufficient income, each to provide for their own support. Husband and
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    Wife, therefore, hereby waive from the other all right to maintenance for themselves
    from the other under the laws of the State of Illinois or any other state in which either
    party may hereafter reside upon divorce or dissolution of marriage contemplated by
    this Agreement. This waiver of maintenance shall be binding on each.
    9. DISSOLUTION OF MARRIAGE OR SEPARATION
    Each of the Parties hereto, by the execution of this Agreement, intends that the
    provisions of this Agreement shall be binding upon each of them and their heirs in the
    event of dissolution of marriage or a separation by and between the Parties.
    ***
    11. REPRESENTATION BY COUNSEL
    The Parties do hereby admit and acknowledge that Husband has been represented
    by Stanley L. Tucker and Hartzell, Glidden, Tucker & Hartzell and that Wife has been
    represented by C. Don Weston”
    ¶ 17       Greg’s written disclosure attached to the parties premarital agreement was as follows:
    “1. Residential Real Estate described as follows:
    913 Oakview Dr. Macomb, Il.
    2. Checking Accounts
    First State Bank [account number] 15,000
    3. Investments: Edward Jones
    IRA DWS Trust
    Smith Barney Retirement
    Private Ledger
    4. Pensions:
    IADA Nadart 150,000.00
    5. Vehicles:
    1964 Nova
    1969 Camaro
    ½ equity in 2002 Mustang
    6. Household goods and furniture:
    Couch
    Chair
    3 Beds
    7. Other:
    Farm in Tallula and in Macomb
    Cash on hand 120,000.00
    Debts:
    1. National City Mortgage 50,000.00”
    ¶ 18       Jennifer’s written disclosure attached to the prenuptial agreement as exhibit B, showed that
    she owned no residential real estate; she shared a joint checking account with Greg at First
    State Bank (exact balance unknown and no account number listed); she had investments worth
    almost $50,000; she had an IRA valued at $5770; she owned a 2002 Ford Mustang GT in joint
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    tenancy with Greg (no value given); she owned a bedroom set, couch, love seat, television,
    kitchen set, and ironstone; and she had a cat. Jennifer listed no debt.
    ¶ 19                                  B. Testimony of Jennifer Woodrum
    ¶ 20        Jennifer testified she began a romantic relationship with Greg in 2001 and, shortly
    thereafter, moved into his home in Macomb, Illinois. Prior to their marriage, Greg had been
    responsible for the couple’s finances, which continued after they were married. Jennifer never
    saw the bills. Jennifer initially testified that she did not have any knowledge of Greg’s
    ownership interest in the Woodrum business prior to their marriage. She knew Greg had
    inherited some farmland after his grandfather’s death, but she did not remember the amount of
    acreage or the value of the farmland. She did not recall in what town the farmland was located
    but knew that it was “on the way to Springfield.” She did not know Greg had an interest in
    farmland in both Macomb and Tallula, Illinois.
    ¶ 21        In testifying in regard to Greg’s financial disclosure, Jennifer indicated that she had not
    been involved in the purchase of Greg’s home, did not know the value of the home, did not
    know whether there was a mortgage on the home, and did not know the amount of the
    mortgage payments, if any. Although an account number was indicated, Jennifer did not
    recognize the $15,000 First State Bank checking account listed on Greg’s disclosure and did
    not know whether it was the same account as their First State Bank joint checking account
    listed in her disclosure. Prior to their marriage, Jennifer did not know Greg had investments
    with Edward Jones, as was listed on Greg’s financial disclosure and she did not know the value
    of those investments. She was also not aware of Greg’s $150,000 pension, which was listed on
    his written disclosure. Jennifer did not know about Greg’s assets or investments with
    Northwestern Mutual Life Insurance or Maedco (indicated on the parties’ 2007 joint tax
    return), which had not been included on Greg’s written disclosure. Greg’s written disclosure
    also did not indicate his ownership interest in Woodrum Automotive or Wayne Woodrum, Inc.
    (his family’s businesses). Jennifer knew that Greg owned the vehicles and furniture listed on
    his disclosure.
    ¶ 22        Jennifer testified that it was Greg’s decision to have the premarital agreement drawn up
    and she did not have any input regarding its contents. She signed the agreement because Greg
    indicated that she would have to sign some paperwork prior to their marriage. Jennifer testified
    that she signed the agreement in Weston’s office about a week before she and Greg were
    married. Jennifer did not hire Weston to represent her, and she believed that Weston was
    Greg’s attorney. She was not aware that Tucker represented Greg. When Jennifer went to
    Weston’s office to sign the agreement, she told Weston “what [she] was there for” and handed
    him her financial paperwork that Greg had told her to bring to Weston. Weston then produced
    the premarital agreement and turned to the signature page, and she signed the agreement. She
    testified, “[t]here was no conversation about it so we didn’t review anything.” Prior to signing
    the agreement, Jennifer was not given the opportunity to review Greg’s written disclosure or
    her own written disclosure, which should have been attached as exhibits A and B, respectively.
    Jennifer discovered that Weston had been her attorney after Greg filed for divorce and she
    received an e-mail from her divorce attorney with a copy of the premarital agreement that
    indicated she was represented by Weston and Greg was represented by Tucker.
    ¶ 23        Jennifer testified her written disclosure was accurate and complete. She explained the joint
    checking account listed on her disclosure had been funded with her money and was “just an
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    account that was necessary to have checks with both of [their] names on it in order for [her] to
    be part of the Country Club” before they were married.
    ¶ 24       By the time Greg and Jennifer married, Jennifer was not selling as much insurance because
    she was “taking care of the household chores” and unable to work every day and unable to get
    new leads. Gradually, Jennifer’s sales “just dwindled.” The decision to cut back on her work
    was solely Jennifer’s decision. Greg did not object to Jennifer reducing her workload.
    ¶ 25       Upon cross-examination, Jennifer testified that she had no knowledge of Greg’s ownership
    interest in his family’s business. She then testified that she knew about Greg’s ownership
    interest at the time she signed the premarital agreement but did not know the percentage of that
    ownership interest. Prior to their marriage, Greg had mentioned wanting a prenuptial
    agreement “a few times.”Jennifer testified she only met with Weston on one occasion. She did
    not ask to read the prenuptial agreement and did not read the agreement prior to signing it. If
    Greg had indicated in the agreement that he owned a particular percentage of Woodrum
    Automotive, she would not have known because she did not read the agreement.
    ¶ 26       Jennifer testified that she had been licensed to sell insurance since 1987. She confirmed
    that she had sold various insurance policies—cancer, intensive care, hospital indemnity, and
    life insurance. Jennifer was familiar with the policies she sold, and she was able to explain
    those policies to her customers. Some of the policies were complicated. She met with hundreds
    of individuals in trying to sell insurance policies over the years. Greg did not ask her to reduce
    her work activity, and she did not tell him that she was doing so. Jennifer had reduced her work
    activity because she was doing work around the house and she could not “put forth the 100
    percent into [her] work in order to make the money [she] was.” At the time she executed the
    premarital agreement, Greg’s children were in college but Jennifer was still doing laundry for
    them, getting meals, and doing the housework.
    ¶ 27       Jennifer had been married twice prior to her marriage to Greg. In 1987, Jennifer had signed
    a marital settlement agreement with her first husband, in which they agreed to a property
    settlement and a waiver of maintenance. Jennifer did not remember if she read the 1987
    agreement prior to signing it. She testified that maintenance was not an issue in that divorce
    and it was never discussed, but she acknowledged that, based on the 1987 settlement
    agreement, she would receive no maintenance from her first husband. In 1996, Jennifer and her
    second husband entered into a separation agreement in which both parties waived support and
    maintenance and disposed of the marital property and debts. Jennifer could not recall if she had
    read the 1996 separation agreement prior to signing it. Jennifer had filed for divorce from her
    second husband three months after they married and they had never lived together or
    commingled their assets. In both the 1987 settlement agreement with her first husband and the
    1996 separation agreement with her second husband, Jennifer understood that she would not
    receive support as a result of her waiver of maintenance.
    ¶ 28       Greg’s attorney also called Jennifer to testify as an adverse witness. Greg’s attorney read
    Jennifer’s deposition testimony in which she testified that, in 2001, Greg worked at Woodrum
    Automotive, and she assumed he was an owner. When asked at what point in their marriage
    she assumed Greg was an owner, she indicated that it was when they had started living
    together.
    ¶ 29       Jennifer testified that she had gone to Weston’s office one time by herself and spent 40
    minutes there, during which time she signed the prenuptial agreement. Greg had told her that
    she needed to go to Weston’s office to get the paperwork signed. Weston did not ask Jennifer
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    to read the premarital agreement. Jennifer denied that after her meeting with Weston she went
    home and told Greg that she was aggravated because Weston had gone over every line of the
    agreement.
    ¶ 30       Jennifer and Greg discussed executing a premarital agreement as part of their conversation
    about getting married. She denied that it was discussed “many times” and indicated “[i]t was
    just part of the conversation.” It was discussed more than once because Greg urged her to go
    sign the “paperwork.” She expected that to mean that she would waive any claim to Greg’s
    property and that she would not get maintenance.
    ¶ 31                                   C. Testimony of Greg Woodrum
    ¶ 32       Greg testified that although the parties’ 2007 joint tax return indicated that $5576 of
    interest had been earned from Maedco and $40 from Northwestern Mutual Life Insurance
    Company, he did not know what Maedco was and did not recall why he earned interest from
    the Northwestern Mutual Life Insurance Company. He explained that it could have been from
    “stuff that we got for the kids” or his dad “might have done it and put it in his name.” Greg did
    not know because they “just ha[d] the accountants take care of it.” He testified that the $536 of
    reported income from his 20% interest in Woodrum Automotive must be accurate because “the
    accountants just take care of that” but he did not actually receive any of that money. He did not
    know about the long-term gain for the $7054 sale of Illinois Dealers Life Insurance Company
    or the $10,662 for an installment sale of “property used in a trade or business.” Greg “doubted”
    that the sale pertained to the sale of any farmland because he had a remainder interest and his
    father had a life estate in the farmland. Greg’s father, Wayne, was still alive. Greg testified that
    he lived off his weekly income, and if there was “anything” from the farm or the automotive
    dealership, he “never received any money on that.” Greg acknowledged that the parties’ 2007
    tax return referenced income and losses of a partnership in an S corporation—Woodrum
    Automotive—and his 2007 W-2 showed that he was employed by Wayne Woodrum, Inc. Greg
    testified that in 2007 (when the premarital agreement was executed) he owned a 20% interest
    in both Woodrum Automotive and Wayne Woodrum, Inc. Wayne Woodrum, Inc. sold on
    March 3, 2014, for $350,868, but Greg did not receive any of the sale proceeds and did not
    know if the $350,868 was for the sale of his 20% interest or the company as a whole. Greg had
    been listed as an owner of Wayne Woodrum, Inc., because he was made the dealer of the auto
    dealership and had to be a 20% percent owner to do so. Greg explained that there was an early
    entity of Wayne Woodrum, Inc., and there was also Woodrum Automotive, Inc. He did not
    actually “own” his 20% interest in either business, despite it being documented that way, and
    he never paid anything or received anything for his interest. Woodrum Automotive became
    Greg’s employer after the sale of Wayne Woodrum, Inc.
    ¶ 33       Greg testified that, in 2007, Jennifer knew exactly what his interest was in his family’s
    business and that he had told her many times. Greg testified that his father received the income
    from the Tallula farmland for the duration of his father’s life and then the remainder interest
    would go to Greg and his brother. The Macomb farmland was placed into the names of Greg,
    Greg’s brother, and Greg’s father because his father’s age was “getting up there.” Greg’s father
    handled the business matters related to the family business and the farms, and Greg took care
    of the day-to-day operations of the auto dealership.
    ¶ 34       In regard to the prenuptial agreement, Greg consulted his attorney (Tucker), who drafted
    the agreement and Greg reviewed it. Tucker advised Greg that it would be best if Greg and
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    Jennifer were each represented by their own attorneys. Weston represented Jennifer as a result
    of Weston being a customer, Jennifer not having a preference for who would represent her, and
    Greg and Jennifer wanting someone “good and reputable.” Greg told Jennifer that “he would
    never ever get married again unless [he] had a prenuptial [agreement].” Greg testified that his
    exact words to Jennifer were that he had lost a house and property before and he did not want it
    to ever happen again. Greg testified, “she knew exactly that and we talked about it many
    times.” Greg testified that the first time Jennifer went to Weston’s office, Greg had gone with
    her. The second time Jennifer met with Weston, Jennifer went by herself upon instruction from
    Weston that she had to meet with him by herself. When Jennifer came home from the second
    meeting with Weston, she was “all perturbed” at Weston for reviewing every word of the
    premarital agreement with her at least twice. Once Jennifer and Greg received the final draft of
    the premarital agreement from Greg’s attorney, they went to the bank together and signed it
    before a notary public. Greg did not have a specific recollection of preparing his written
    disclosure and assumed that his attorney asked for information and he wrote information down
    on a piece of paper.
    ¶ 35                                D. Testimony of Ben McMahon
    ¶ 36       Ben McMahon testified that he had been a certified public accountant since 1975 and the
    Woodrum businesses had been his client for the past 15 or 20 years. In handling the tax work
    for the Woodrum businesses, McMahon dealt almost exclusively with Wayne (Greg’s father).
    Greg never gave McMahon any information. McMahon never had any occasion to discuss tax
    matters about the business with Greg at any time. Greg would not have had any knowledge
    about the corporate tax returns, which were always sent to Wayne. Wayne, Greg, and Greg’s
    brother reported land sale on their taxes, but McMahon did not know if any of the proceeds
    were distributed to Greg or Greg’s brother. To the best of McMahon’s memory, the money
    went into the farm account to pay down debt. Income from the farmland was only reported on
    Wayne’s tax returns.
    ¶ 37                             E. Jennifer’s Attorney—C. Don Weston
    ¶ 38       Weston testified that he had been practicing as an attorney in McDonough County for 55
    years. His records indicated that on April 23, 2007, he spent one hour conferring with Jennifer
    and Greg and reviewing their prenuptial agreement. On May 9, 2007, Weston spent 1½ hours
    reviewing the prenuptial agreement and conferring with Jennifer. In accordance with his
    normal practice, Weston would have reviewed the prenuptial agreement with Jennifer and
    would have discussed the issue of maintenance, the release of marital rights, and the issue of
    marital property. Weston did not read the agreement to Jennifer, but she was allowed to the
    read agreement. At the conclusion of the meeting, Weston was confident that Jennifer
    understood the agreement because he would have counseled her not to sign the agreement if
    she had not understood it. Weston had no further contact with Jennifer after May 9, 2007. At
    the time of the meeting on May 9, 2007, Weston had no knowledge of Greg’s assets because
    Weston and Jennifer did not have Greg’s disclosure of assets at that time. According to
    Weston, it would be “difficult” to determine a true fair market value of Greg’s remainder
    interest in the farmland.
    ¶ 39       Weston testified that on May 11, 2007, he sent a letter to Greg’s attorney (Tucker)
    indicating that Jennifer had conferred with Weston about the premarital agreement. In the
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    letter, Weston requested Greg’s financial disclosure and that a change be made to the parties’
    general statement of intentions in the third paragraph. Weston enclosed Jennifer’s written
    disclosure with the letter. On June 5, 2017, Greg’s attorney sent a letter to Greg with the
    revised prenuptial agreement and sent a copy sent to Weston. In the letter, Greg’s attorney
    instructed Greg to add a list of his property as exhibit A and to have the agreement signed by
    both Greg and Jennifer before a notary public. The signatures to the agreement were executed
    or acknowledged by both parties before a notary public on June 13, 2007. In July 2007, Weston
    received a check from Woodrum Automotive for his services.
    ¶ 40                         F. Ruling on the Enforceability of the Agreement
    ¶ 41        On April 7, 2017, at a hearing on the bifurcated issue of the validity of the prenuptial
    agreement, the trial court ruled from the bench, finding the parties executed the prenuptial
    agreement prior to their wedding on June 13, 2007, with the agreement including a waiver of
    the right to maintenance. The trial court noted that at the beginning of the marriage Greg was
    employed in his family’s automotive business and Jennifer was an insurance agent. The trial
    court noted that Jennifer had indicated that she had no knowledge of Greg’s ownership interest
    in the Woodrum business at the time she signed the agreement but, after being reminded of her
    deposition testimony, she acknowledged knowing that he had an ownership interest. The trial
    court also noted that Greg told Jennifer several times of his business ownership and indicated
    that he lost a house and property in a prior divorce and did not want that to happen again.
    Jennifer had acknowledged that Greg requested a prenuptial agreement several times during
    their cohabitation. The trial court found that Jennifer voluntarily entered into the prenuptial
    agreement and waived any interest in Greg’s property based upon evidence that (1) Jennifer
    had waived the right to spousal support in two previous marriages; (2) she was repeatedly
    informed on more than one occasion prior to the marriage that Greg wanted to protect his
    property through a prenuptial agreement; (3) Jennifer was represented by competent counsel;
    (4) even if Jennifer had not read the agreement prior to signing it, she had the opportunity to do
    so; (5) although the agreement did not contain the disclosures of Greg’s property at the time
    Weston reviewed the agreement with her, Jennifer had sufficiently become aware of Greg’s
    financial affairs during the six years she had lived with Greg; and (6) it was the intent of the
    parties to ensure each party left the marriage with what they brought into the marriage. The
    trial court found the prenuptial agreement was not unconscionable, noting Jennifer was
    represented by competent counsel and that the agreement was not inherently unreasonable.
    The trial court further noted that there was insufficient information to make a finding of undue
    hardship in light of circumstance not reasonably foreseeable at the time of the execution of the
    agreement to require Greg to provide support notwithstanding the terms of the agreement and
    continued the case for further proceeding “if the parties feel that they are, in fact, necessary.”
    ¶ 42        On May 10, 2017, the trial court entered a written order, indicating that it had found
    (1) Jennifer voluntarily entered into the prenuptial agreement, (2) the agreement was not
    procedurally or substantively unconscionable, (3) Greg had made an adequate and reasonable
    disclosure of his property, and (4) the prenuptial agreement was valid and enforceable.
    ¶ 43                                   III. Judgment of Dissolution
    ¶ 44      On May 15, 2017, Greg filed a motion for an entry of a judgment of dissolution of marriage
    and for the termination of all temporary orders. On May 26, 2017, Jennifer filed a motion to
    - 11 -
    certify questions for interlocutory appeal, regarding seven questions related to the
    enforceability of the parties’ premarital agreement (namely, issues of substantive
    unconscionability and whether Greg’s disclosure was fair and reasonable).
    ¶ 45        On May 30, 2017, at the hearing on Greg’s motion for entry of judgment, Jennifer’s
    attorney argued the entry of a judgment of dissolution would be premature because there had
    not been a final determination of property settlement. She argued that granting Jennifer’s
    motion to certify questions for an interlocutory appeal was necessary so that the issues
    pertaining to the validity of the prenuptial agreement could be addressed before addressing the
    issue of property. Jennifer’s attorney noted the parties’ had joint property at the time they
    entered the prenuptial agreement, “so at the very least, there are a few, granted fewer,
    significantly fewer, assets to divide, but they had joint accounts, they owned joint property.”
    The trial court asked, “[s]o you are representing to the Court that as of today, there are still
    unresolved property issues regarding marital property?” Jennifer’s attorney responded,
    “correct,” noting that a bank account and vehicle had been jointly owned by the parties at the
    time the premarital agreement was prepared. Jennifer’s attorney indicated they would need to
    “do some tracing to determine support during the marriage and payment of bills and that sort of
    thing for the purpose of any contributions.” Greg’s attorney argued that Jennifer had not filed
    an objection to the motion for entry of a dissolution judgment and that, while there may have
    been joint property seven years ago, there was currently no joint or marital property that
    needed to be addressed.
    ¶ 46        The trial court noted that there had been “extensive discovery” and asked Jennifer’s
    attorney, “as you sit here today, what property is marital property that is in dispute?” Jennifer’s
    attorney responded that there had not been significant discovery because discovery had been
    limited to issues of temporary maintenance and the validity of the premarital agreement. The
    trial court noted that depositions had been taken and issues of marital property had not been
    raised in the context of those depositions. Jennifer’s attorney agreed, but argued that Jennifer
    was entitled to “some sort of accounting and some sort of contribution for various financial
    machinations that occurred during th[e] seven years of marriage.” Greg’s attorney argued that
    the premarital agreement specifically provided that anything acquired during the marriage was
    nonmarital property and there was no indication that any marital property existed.
    ¶ 47        The trial court denied Jennifer’s motion to certify questions for an interlocutory appeal,
    terminated all temporary orders, and entered a judgment of dissolution. The order of judgment
    for dissolution incorporated the prenuptial agreement and noted “both parties have entered into
    a valid prenuptial agreement that dictates the disposition of the parties’ property, and all
    property of the parties is non-marital.”
    ¶ 48        Jennifer appealed and Greg cross-appealed.
    ¶ 49                                            ANALYSIS
    ¶ 50        On appeal, Jennifer argues (1) the prenuptial agreement was not enforceable and (2) the
    trial court prematurely entered the dissolution judgment without properly addressing “the issue
    of property.” On cross-appeal, Gregory argues that the trial court erred by awarding temporary
    maintenance to Jennifer during the pendency of the dissolution proceedings.
    - 12 -
    ¶ 51                    I. Validity and Enforceability of the Prenuptial Agreement
    ¶ 52       Jennifer argues that pursuant to section 7(a)(2) of the Illinois Premarital Agreement Act
    (750 ILCS 10/7(a)(2) (West 2016)), the parties’ prenuptial agreement was not enforceable
    because it was unconscionable when it was executed and before its execution (1) Greg failed to
    provide her with a fair and reasonable disclosure of his property, (2) she did not execute a
    written waiver of a disclosure, and (3) she did not have adequate knowledge of Greg’s assets.
    In addressing this issue, we must interpret language of the Illinois Premarital Agreement Act.
    See 750 ILCS 10/1 et seq. (West 2016).
    ¶ 53       We review de novo the construction and application of a statute. Blum v. Koster, 
    235 Ill. 2d 21
    , 29 (2009). In construing a statute, our primary objective is to ascertain and give effect to
    the legislature’s intent. 
    Id. The best
    indicator of legislative intent is the language of the statute,
    given its plain and ordinary meaning. 
    Id. In determining
    the plain meaning of statutory terms,
    we consider the statute in its entirety, the subject it addresses, and the apparent intent of the
    legislature in enacting the statute. 
    Id. When the
    statutory language is clear and unambiguous,
    we must apply the language as written, without resort to extrinsic aids to determine its
    meaning. 
    Id. When the
    statutory language is ambiguous, we construe the statute to avoid
    rendering any part meaningless or superfluous. 
    Id. We do
    not depart from the plain language of
    the statute by reading into it exceptions, limitations, or conditions that conflict with the
    expressed intent. 
    Id. ¶ 54
          In 1989, the Illinois legislature adopted the Illinois Premarital Agreement Act (750 ILCS
    10/1 to 11 (West 2016)), which was modeled after the Uniform Premarital Agreement Act
    (UPAA) (Unif. Premarital Agreement Act (Unif. Law Comm’n 1983)). The UPAA had been
    approved by the National Conference of Commissioners on Uniform State Law and was
    designed to address problems with the uncertainty regarding the enforceability of premarital
    agreements.1 See Unif. Premarital Agreement Act, Prefatory Note (Unif. Law Comm’n 1983).
    1
    The Alaska Supreme Court in Brooks v. Brooks, 
    733 P.2d 1044
    , 1048 (Alaska 1987), discussed the
    evolving public policy considerations regarding prenuptial agreements. The traditional common law
    view was that prenuptial agreements were inherently conducive to divorce and allowed a husband to
    circumvent his legal duty to support his wife. 
    Id. Thus, prior
    to 1970, prenuptial agreements that
    stipulated terms regarding alimony and property settlements upon divorce were almost universally
    considered void ab initio as contrary to public policy. 
    Id. at 1048-49;
    cf. Dickason v. English, 
    272 Ill. 368
    , 371 (1916) (in Illinois prior to 1970, it was settled that persons having legal capacity to contract
    may make a valid premarital agreement and such an agreement was not considered to be contrary to
    public policy). Since 1970, public policy changed and the traditional rule gave way to the view that
    prenuptial agreements were valid and enforceable if certain standards of “fairness” were met, with the
    standards varying from state to state. 
    Brooks, 733 P.2d at 1049
    . As divorce became more
    commonplace, there was an increase of second and third marriages—often of mature people with
    substantial means and separate families from earlier marriages, who “may not be willing to risk
    marriage again without the ability to safeguard their financial interests.” 
    Id. at 1050.
    “[W]ithout the
    ability to order their own affairs as they wish, many people may simply forgo marriage for more
    ‘informal’ relationships.” 
    Id. In drafting
    the UPAA in 1983, the commissioners at the National
    Conference of Commissioners on Uniform State Laws debated between the majority of the
    commissioners’ view in favor of certainty of the enforcement of premarital agreements and the
    minority’s view of protecting against substantive unfairness at the time of enforcement. In re Marriage
    of Bonds, 
    5 P.3d 815
    , 823-24 (Cal. 2000) (citing National Conference of Commissioners on Uniform
    State Laws, Proceedings in Committee of the Whole, Unif. Premarital Agreement Act (July 23-26,
    - 13 -
    The Illinois legislature, similarly, enacted the Illinois Premarital Agreement Act to allow for
    more consistency by courts in determining the validity of premarital agreements than had been
    the case under Illinois common law. 2 , 3 The Illinois Premarital Agreement Act became
    effective on January 1, 1990. 750 ILCS 10/1 et seq. (West 2016).
    ¶ 55       The enactment of the Illinois Premarital Agreement Act brought about significant changes
    in relation to the enforcement of premarital agreements. See 750 ILCS 10/1 et seq. (West
    2016). The Illinois Premarital Agreement Act allows parties to waive or modify their marital
    rights by entering into a valid premarital agreement, with limited grounds provided to find the
    agreement to be unenforceable.4 In re Marriage of Best, 
    228 Ill. 2d 107
    , 118 (2008); 750 ILCS
    1983), at 49-97 (Proceedings, Uniform Act)). Under the resulting language adopted in the UPAA,
    unconscionability could only be raised if the party against whom enforcement was sought could show
    that at the time of execution of the premarital agreement there had been a lack of disclosure of assets,
    lack of a waiver of the disclosure, and a lack of imputed knowledge of assets. 
    Id. at 824
    (citing
    Proceedings, Uniform 
    Act, supra, at 49-97
    , 131).
    2
    In April 1989, Senator Barkhausen sponsored Senate Bill 552 for the enactment of a statute
    pertaining to premarital agreements to provide “a statutory framework, rather than a guessing game,
    about where courts will stand” about the enforceability of premarital agreements “in an age with an
    increasing number of marriages between spouses who have previously been married, have children by
    the marriage, and have accumulated property prior to this second or subsequent marriage.” 86th Ill.
    Gen. Assem., Senate Proceedings, May 22, 1989, at 121 (statements of Senator Barkhausen). Senator
    Geo-Karis stated that people with children from prior relationships should be “entitled to make a good
    prior premarital agreement with each other” and to avoid “the ups and downs on premarital agreements
    that we have now.” 86th Ill. Gen. Assem., Senate Proceedings, May 22, 1989, at 122-23 (statements of
    Senator Geo-Karis). Senator D’Arco noted that the proposed language required “full disclosure of all
    property and financial obligations,” and Senator Barkhausen acknowledged, “the bill does require a full
    financial disclosure.” 86th Ill. Gen. Assem., Senate Proceedings, May 22, 1989, at 123 (statements of
    Senators D’Arco and Barkhausen). Senate Bill 552 was assigned to the judiciary committee and a
    subsequent motion to discharge the judiciary committee was lost, with no further action taken on the
    bill. On June 22, 1989, Senator Barkhausen moved to amend House Bill 470 (a bill related to the
    emergency orders of protection) for the adoption of the language of the UPAA (with a modification
    suggested by the bar associations) because premarital agreements were becoming more commonplace
    and current enforcement of premarital agreements was “unpredictable.” 86th Ill. Gen. Assem., Senate
    Proceedings, June 22, 1989, at 11 (statements of Senator Barkhausen). The Illinois Legislature adopted
    the provisions of the UPAA (as modified) and the Illinois Uniform Premarital Agreement Act was
    subsequently enacted.
    3
    The only modification made by the Illinois legislature in adopting the language of the UPAA was
    to the enforcement section of the UPAA that had provided spousal support could be required, despite
    contrary terms in the premarital agreement, where the modification or elimination of spousal support
    would “cause one party to be eligible for support under a program of public assistance at the time of
    separation or marital dissolution.” See Unif. Premarital Agreement Act § 6(b) (Unif. Law Comm’n
    1983). Whereas, the Illinois Premarital Agreement Act provides that spousal support could be awarded,
    notwithstanding the terms of the premarital agreement, if the modification or elimination of spousal
    support “causes one party to the agreement undue hardship in light of circumstances not reasonably
    foreseeable at the time of the execution of the agreement.” 750 ILCS 10/7(b) (West 2016).
    4
    Under Illinois common law, premarital agreements were generally valid and enforceable as long
    as (1) an unforeseen condition of penury was not created due to lack of property resources or lack of
    employability; (2) the agreement was entered into with full knowledge and without fraud, duress, or
    - 14 -
    10/4(a)(3), (a)(4) (West 2016). By entering into a valid premarital agreement, parties agree
    that their enumerated rights at dissolution are no longer governed by applicable statutes where
    those rights are validly modified or waived in the agreement. 
    Best, 228 Ill. 2d at 118
    . The
    Illinois Premarital Agreement Act omits the prior common law requirement that an
    enforceable agreement must also be fair and reasonable and must not result in an unforeseen
    condition of penury for the party challenging the agreement. In re Marriage of Heinrich, 
    2014 IL App (2d) 121333
    , ¶ 49. Thus, under the Illinois Premarital Agreement Act, a court cannot
    invalidate a premarital agreement merely because the enforcement of the agreement would
    result in a disproportionate allocation of assets to one of the parties. 
    Id. ¶ 56
           Section 7 of the Illinois Premarital Agreement Act governs the enforceability of premarital
    agreements, providing:
    “(a) A premarital agreement is not enforceable if the party against whom enforcement
    is sought proves that:
    (1) that party did not execute the agreement voluntarily; or
    (2) the agreement was unconscionable when it was executed and, before
    execution of the agreement, that party:
    (i) was not provided a fair and reasonable disclosure of the property or
    financial obligations of the other party;
    (ii) did not voluntarily and expressly waive, in writing, any right to
    disclosure of the property or financial obligations of the other party beyond the
    disclosure provided; and
    (iii) did not have, or reasonably could not have had, an adequate knowledge
    of the property or financial obligations of the other party.” 750 ILCS 10/7(a)
    (West 2016).
    ¶ 57        On appeal, Jennifer does not argue that she did not voluntarily sign the premarital
    agreement. Thus, there is no issue as to whether Jennifer made a knowing waiver of her marital
    rights. Consequently, the parties’ premarital agreement is enforceable unless Jennifer was able
    to prove, pursuant to section 7(a) of the Illinois Premarital Agreement Act, that the agreement
    was unconscionable when it was executed and that, before execution, she was not provided a
    fair and reasonable disclosure of Greg’s property and financial obligations, she did not
    voluntarily execute a written waiver of the disclosure, and she did not have, and could not have
    had, knowledge of those matters. See 750 ILCS 10/7(a) (West 2016).
    ¶ 58                                            A. Waiver
    ¶ 59       There was no waiver by Jennifer, in writing, to her right to disclosure of the property or
    financial obligations of Greg beyond the disclosure provided, even where she signed the
    agreement without reading it. Under the Illinois Premarital Agreement Act, the only way that
    Greg could have been relieved of his statutory obligation of providing a fair and reasonable
    disclosure was by Jennifer “voluntarily and expressly waiv[ing], in writing, any right to
    disclosure of the property or financial obligations of [Greg] beyond the disclosure provided.”
    coercion; and (3) the agreement was fair and reasonable. In re Marriage of Murphy, 
    359 Ill. App. 3d 289
    , 299 (2005). A premarital agreement was fair and reasonable if it guaranteed both parties an
    equitable financial settlement in lieu of a waiver of their rights to property or maintenance. 
    Id. at 300.
    - 15 -
    See 750 ILCS 10/7(a) (West 2016). Jennifer did not execute such a waiver.
    ¶ 60                                B. Fair and Reasonable Disclosures
    ¶ 61       Jennifer argues that Greg failed to provide a “fair and reasonable” disclosure where he
    failed to disclose his 20% interest in Wayne Woodrum, Inc.; his 20% interest in Woodrum
    Automotive; assets regarding Maedco, Northwestern Mutual Life, and Illinois Dealers Life
    Insurance that had generated in excess of $10,000 of income in 2007 (as indicated on the
    parties’ 2007 joint tax return); the value of his residence; the value of his investments with
    Edward Jones; and the value and the acreage regarding his interest in the farmland.
    ¶ 62       Greg argues that he did, in fact, provide a fair and reasonable disclosure where both parties
    had acknowledged in the prenuptial agreement that they had made a “full and complete
    disclosure” to each other. Greg additionally argues that the only asset that was not disclosed
    was his ownership interest in the family automotive dealership, which “generated no actual
    income or cash value other than his regular salary for managing.” He notes that although his
    2014 tax return showed reported income from a sale of land, he did not receive any proceeds of
    that sale. He also contends that his failure to provide a value for his interest in the farmland was
    reasonable because his interest in the Tallula farmland was a remainder interest that he had not
    yet received, the value of a remainder interest was not easily able to be valued, and he did not
    know the value of the farmland in Tallula or Macomb.
    ¶ 63       First, we disagree with Greg that the parties’ acknowledgement in the prenuptial agreement
    that they had each made “a full and complete disclosure” indicates his disclosure was fair and
    reasonable. While we acknowledge that parties are free to contract for the more stringent
    requirement of a full and complete disclosure, neither party argues they had intended to do so.5
    Greg’s argument is, essentially, that by the parties both acknowledging that “full and
    complete” disclosures were made, Jennifer has waived her right to complain about the
    sufficiency of his disclosure. Greg’s argument is misplaced because under the Illinois
    Premarital Agreement Act, he had statutory obligation to provide at least a fair and reasonable
    disclosure (unless Jennifer waived her right to such a disclosure, in writing, or she had
    adequate knowledge of his property and financial obligations). See 750 ILCS 10/7(a)(2) (West
    2016). We must look to the disclosure actually made, and not the language of the agreement, to
    determine whether the disclosure was fair and reasonable. 750 ILCS 10/7(a)(2) (West 2016).
    Insofar as Greg is arguing that a presumption that a full and complete disclosure had been
    made as the result of the language in the premarital agreement, Greg has not developed this
    argument on appeal and has not provided any authority to support this contention, and
    therefore, the issue is forfeited. See Ill. S. Ct. R. 341(h)(7) (eff. May 25, 2018) (arguments
    “shall contain the contentions of the appellant and the reasons therefor, with citation of the
    authorities”; points not argued are forfeited and shall not be raised in the reply brief, in oral
    argument, or on petition for rehearing).
    5
    In the trial court, Jennifer only referenced the “full and complete disclosure” language in arguing
    that she had not waived her right to a disclosure by acknowledged in the premarital agreement that both
    parties had made full and complete disclosures of their property. She did not, however, argue that the
    “full and complete disclosure” language in the premarital agreement required Greg to provide a “full
    and complete” disclosure rather than a “fair and reasonable” disclosure.
    - 16 -
    ¶ 64       In turning to the issue of whether Greg’s disclosure was “fair and reasonable,” we note that
    the Illinois Premarital Agreement Act does not define a “fair and reasonable disclosure,” the
    interpretation of which, as contemplated by the Illinois Premarital Agreement Act, is a matter
    of first impression in Illinois. See 750 ILCS 10/1 et seq. (West 2016). In interpreting the
    meaning of a “fair and reasonable disclosure of [a party’s] property or financial obligations,”
    we note that the term “financial obligations” is not defined in the Illinois Premarital Agreement
    Act but the term “property” is defined as “an interest, present or future, legal or equitable,
    vested or contingent, in real or personal property, including income and earnings.” 750 ILCS
    10/2 (West 2016).
    ¶ 65       After reviewing the Illinois Premarital Agreement Act and cases from other states
    interpreting similarly adopted language from the UPAA, we conclude that the requirement of a
    fair and reasonable disclosure focuses on the information disclosed and not on the party to
    whom the disclosure was made. See, e.g., Friezo v. Friezo, 
    914 A.2d 533
    , 545 (Conn. 2007)
    (the fair and reasonable disclosure requirement refers to the content of the disclosure—the
    nature, extent, and accuracy of the information—and not to extraneous factors such as the
    timing the disclosure or the receiving party’s capacity to understand the disclosure). The duty
    is one of disclosure and not one of inquiry. 
    Id. at 547
    (citing McHugh v. McHugh, 
    436 A.2d 8
    ,
    11 (Conn. 1990)).
    ¶ 66       In determining whether Greg provided enough information to constitute a “fair and
    reasonable” disclosure, we note that the Illinois legislature did not adopt a “full” disclosure
    standard. See 750 ILCS 10/7(a) (West 2016). Thus, a “fair and reasonable” disclosure requires
    less than a complete disclosure, and the failure to disclose any particular piece of property or
    financial obligation is not, in and of itself, fatal to the enforcement of prenuptial agreement.
    Rather, the purpose of a disclosure is to ensure that each party has sufficient knowledge
    regarding the other party’s financial circumstances in order to understand the nature of the
    legal rights being waived, with the burden to inform being on the disclosing party. See 
    Friezo, 914 A.2d at 547-48
    ; Watson v. Watson, 
    5 Ill. 2d 526
    , 532 (1955) (parties are required to
    disclose the nature and extent of their property so that the other party can intelligently choose
    whether to release his or her rights and interests to that party’s property). Although a fair and
    reasonable disclosure need not be precise or exact, the requirement of a fair and reasonable
    disclosure requires each party to provide a “general approximation” of his or her income,
    assets, and liabilities. 
    Friezo, 914 A.2d at 550
    . Whether a disclosure is “fair and reasonable”
    depends on the facts and circumstances of each case, including the information that was
    actually disclosed (in writing or otherwise), the information that was not disclosed, and the
    relative size of the nondisclosed information in relation to the parties’ financial circumstances.
    ¶ 67       There is no requirement under the Illinois Premarital Agreement Act that a party’s
    disclosure be in writing or that it be attached to the premarital agreement. See 750 ILCS 10/1
    et seq. (West 2016). Although not required under the Illinois Premarital Agreement Act,
    generally, the most effective manner of satisfying the statutory obligation of disclosure, in
    most circumstances, is by appending a written schedule of information regarding the income
    and property interests of the parties at the time the agreement was executed to the parties’
    premarital agreement. See 
    Friezo, 914 A.2d at 550
    .
    ¶ 68       In this case, under the Illinois Premarital Agreement Act, Greg and Jennifer were required
    to disclose to each other their property and financial obligations, including their interests in
    real or personal property and their income and earnings. See 750 ILCS 10/2, 7(a) (West 2016).
    - 17 -
    At what point prior to executing the agreement Jennifer received Greg’s disclosure and
    whether Jennifer reviewed the disclosure before executing the premarital agreement are
    irrelevant factors in determining whether the information disclosed was “fair and reasonable.”
    See, e.g., 
    Friezo, 914 A.2d at 551
    (the amount of time available to review a prenuptial
    agreement is not relevant to determine whether a party made a fair and reasonable disclosure;
    the fair and reasonable disclosure requirement refers to the nature, extent, and accuracy of the
    information disclosed and not to extraneous factors such as the timing of the disclosure).
    ¶ 69        Additionally, the Illinois Premarital Agreement Act sets forth no state of mind standard in
    relation to providing a fair and reasonable disclosure. Greg argues that any omission in his
    disclosure was “inadvertent.” The parties’ premarital agreement indicated the property of the
    parties, as listed in their attached schedules, “together with any property which they have
    omitted inadvertently,” and any after-acquired property was to be owned as separate,
    nonmarital property. This language pertains to the release of the parties’ marital rights to the
    property of the other; it does not, and could not, excuse or waive the parties’ statutory
    obligation to provide each other with a fair and reasonable disclosure. See 750 ILCS 10/7(a)
    (West 2016).
    ¶ 70        Furthermore, while Greg correctly argues that Jennifer cannot complain that she did not
    understand the premarital agreement or that she was misled by the terms of the premarital
    agreement where Jennifer never actually read the agreement (see In re Marriage of Kloster,
    
    127 Ill. App. 3d 583
    (1984)), his argument is irrelevant in determining whether his disclosure
    was fair and reasonable. Again, each party to a premarital agreement has a statutory obligation
    to disclose their property and financial obligations, which cannot be waived without an express
    waiver, in writing. See 750 ILCS 10/7(a)(2)(ii) (West 2016).
    ¶ 71        Even though each party had a statutory obligation to provide a fair and reasonable
    disclosure, it is Jennifer who, as the party seeking to avoid enforcement of the premarital
    agreement, had the burden of proving that Greg’s disclosure was not fair and reasonable.6 See
    750 ILCS 10/7(a)(2)(i) (West 2016). Jennifer has failed to meet that burden.
    ¶ 72        In examining Greg’s disclosure, we first note the written disclosure did not include Greg’s
    earnings from managing Woodrum Automotive or the value of his cars and furniture. The
    nondisclosure of income, in some circumstances, could lead to a finding that a party’s
    disclosure was not fair and reasonable. See, e.g., Olandi v. Olandi, 
    34 A.3d 407
    , 413-14 (Conn.
    App. Ct. 2011) (husband’s disclosure was not fair and reasonable because he did not disclose
    all the information necessary to accurately estimate the income he generated from certain real
    estate). However, on appeal, Jennifer has raised no issue regarding the nondisclosure of Greg’s
    salary information or the value of his cars and furniture; presumably because she had lived
    with Greg for six years before executing the agreement and there is no dispute that the values
    6
    This is a change from Illinois common law, under which the burden had been on the advantaged
    party to prove that a proper disclosure of his or her financial status had been made if the terms of the
    agreement were not fair. Where the parties were engaged to be married before the agreement was
    signed, a confidential relationship existed that imposed a duty of disclosure, and if the provisions made
    for the spouse receiving maintenance were largely disproportionate to the value of the other spouse’s
    estate, a presumption arose of the intentional concealment of assets, and the burden shifted to the party
    claiming the validity of the agreement to prove the other party had full knowledge of his or her
    property. In re Estate of Hopkins, 
    166 Ill. App. 3d 652
    , 656 (1988) (citing Debolt v. Blackburn, 
    328 Ill. 420
    , 425 (1927), and Yockey v. Marion, 
    269 Ill. 342
    , 347-48 (1915)).
    - 18 -
    of those items had been sufficiently disclosed prior to the execution of the premarital
    agreement. Similarly, while Jennifer complains of Greg’s failure to indicate the value of his
    home on his written disclosure, the evidence shows the value of home was disclosed by way of
    Jennifer living in the home for six years prior to the execution of the agreement so that she was
    undoubtedly familiar with the home and the surrounding area. As noted above, there is no
    requirement in the Illinois Premarital Agreement Act that a party’s disclosure be in writing.
    ¶ 73       Additionally, Jennifer takes issue with Greg’s failure to disclose his 20% ownership
    interests in Wayne Woodrum, Inc., and Woodrum Automotive. Jennifer testified that prior to
    the execution of the premarital agreement she had known that Greg had “some” ownership
    interest in Woodrum family business but did not know the extent of that ownership interest. As
    for the extent of Greg’s ownership interest in the family business, Jennifer did not present any
    evidence as to whether she believed Greg owned more or less than a 20% interest. As for the
    value of Greg’s ownership interest, Greg testified that his ownership interest was of no value to
    him. While there was evidence that Greg’s ownership interest in Wayne Woodrum, Inc., sold
    for over $350,000 during the marriage, Greg testified that he received no money from that sale,
    he was only a partial owner of the Woodrum entities “on paper,” and he received no income
    from his ownership interests in Woodrum entities. There was no contrary evidence showing
    the Woodrum automotive business was of any value or that Greg’s ownership interest in the
    Woodrum business had any current or future value, whatsoever, at the time the premarital
    agreement was executed. We cannot speculate or assume that the Woodrum businesses were of
    any value without some evidence to support that determination.
    ¶ 74       Similarly, no evidence was presented regarding the value, if any, of Greg’s interest in the
    farmland at the time the agreement was executed. Greg’s written disclosure listed “Farm in
    Tallula and in Macomb.” The evidence showed that Greg had a remainder interest in some of
    the farmland, subject to his father’s life estate, but he received no income from that interest and
    received no income from the other farmland. There was no evidence of acreage or value for
    any of the farmland. Therefore, we do not know whether the nondisclosed information
    complained of by Jennifer pertains to less than an acre of farmland or hundreds of acres of
    farmland. We do not know, and cannot speculate as to, the value, if any, of Greg’s ownership
    interest in farmland at issue.
    ¶ 75       Jennifer also presented no evidence regarding the value, if any, of Greg’s Edward Jones
    investments at the time the premarital agreement was executed. While Jennifer argues that
    Greg’s Edward Jones investments could have been worth “a dollar or one million dollars,”
    Greg’s financial affidavit submitted to the court for the purposes of awarding temporary
    maintenance showed that the investments were worth $28,000 and his individual retirement
    account (IRA) was worth $3000 in 2016, nine years after the execution of the premarital
    agreement. However, there was no evidence presented indicating that the Edward Jones
    investments and IRA were of any material value at the time the agreement was executed.
    ¶ 76       Jennifer also presented no evidence regarding the underlying value of Greg’s
    assets/investments pertaining Maedco, Northwestern Mutual Life, and Illinois Dealers Life
    Insurance at the time agreement was executed. While Jennifer showed, by way of the parties’
    2007 tax return, that those assets/investments generated approximately $10,000 of income in
    2007, there was no evidence of the underlying value of those assets at the time the premarital
    agreement was executed. Moreover, there was no indication that Greg was even in possession
    of those assets/investments prior to the execution of the agreement in 2007; he could have
    - 19 -
    obtained those assets/investments from nonmarital property in 2007 but after the execution of
    the agreement. We also do not know when the $10,000 of income from those
    assets/investments was generated in 2007. Jennifer merely proving that Greg had failed to
    disclose assets of an unknown underlying value, which Greg may or may not have owned prior
    to the execution of the premarital agreement, that generated an additional $10,000 of income at
    some point in 2007, either before or after the execution of the premarital agreement, is not
    sufficient proof to support Jennifer’s claim that Greg’s disclosures were not fair or reasonable.
    ¶ 77       In sum, no issue was raised by Jennifer that Greg’s salary or the value of his vehicles and
    furniture was not sufficiently disclosed. Greg’s written disclosure further disclosed Greg’s
    $150,000 pension, $120,000 of “cash on hand,” and a $50,000 mortgage. The nondisclosure of
    the $10,000 of income earned at some point in 2007 from the Maedco, Northwestern Mutual
    Life, and Illinois Dealers Life Insurance assets, which Greg may have acquired after the
    premarital agreement was executed, does not support a finding that the Greg’s disclosure was
    unfair or unreasonable in light of the disclosures that were made. We also cannot say that
    Greg’s failure to provide values for his interests in the farmland, his interest in the Woodrum
    entities, or his Edward Jones investments supports a finding that his disclosure to Jennifer was
    not fair and reasonable where there was no evidence that those items were of any material
    value at the time the premarital agreement was executed in relation to the information that had
    been disclosed by Greg. Therefore, Jennifer has failed to meet her burden of proving that she
    was not provided with a fair and reasonable disclosure.
    ¶ 78                                     C. Adequate Knowledge
    ¶ 79       On appeal, Jennifer argues she did not have adequate knowledge of Greg’s “assets,” but
    only specifically claims a lack of adequate knowledge of Greg’s investments, retirement
    accounts, and ownership interest in the Woodrum businesses. Jennifer provides no specific
    argument, on appeal, regarding any alleged lack of adequate knowledge of Greg’s interests in
    the farmland, his vehicles, his residence, or his income.
    ¶ 80       Here, the record shows that Jennifer had “adequate knowledge” of Greg’s property and
    financial obligations at the time the premarital agreement was executed where she had lived
    with him for six years prior to signing the agreement, was familiar with his lifestyle, and had
    been provided a written financial disclosure. We initially note that Greg’s written disclosure
    showed his pension was valued at $150,000, and Jennifer’s claim that she did not have
    adequate knowledge of the pension is meritless. Jennifer lived with Greg for six years and was
    provided a written disclosure of Greg’s property and financial obligations so that Jennifer had,
    or reasonably could have had, adequate knowledge of Greg’s salary; Greg’s mortgage; and the
    values of Greg’s home,7 vehicles, household goods, furniture, and pension, which was all of
    Greg’s “property and financial obligations” that the evidence showed was of any material
    value at the time the agreement was executed.
    ¶ 81       While Jennifer argues that she did not have adequate knowledge at the time the premarital
    agreement was executed of the value of Greg’s ownership interests in the Woodrum businesses
    7
    Jennifer should have known the approximate value of Greg’s home after having lived in it for six
    year prior to the execution of the premarital agreement, so that value of the home was not only
    reasonably disclosed by Greg in relation to section 7(a)(2)(i) (discussed supra ¶ 72) but also so that
    Jennifer had adequate knowledge of the home’s value in relation to section 7(a)(2)(ii).
    - 20 -
    or the value of Greg’s investments/IRA accounts, she presented no evidence regarding the
    value of those assets. Without knowing the value of those assets, if any, this court is unable to
    determine the relevancy the undisclosed information. In Jennifer’s own words, the assets could
    have been worth “a dollar or one million dollars.”
    ¶ 82       As discussed above, the failure to disclose any particular piece of property or financial
    obligation is not, in and of itself, fatal to the enforcement of a prenuptial agreement. Similarly,
    “adequate knowledge” does not require full knowledge of every asset or financial obligation
    that is owned or owed by a party. Rather, “adequate knowledge” is knowledge that a party has,
    or reasonably could have had, regarding the general approximation of the other party’s income,
    assets, and liabilities. Jennifer failed to meet her burden of proving that she did not have, or
    reasonably could not have had, an adequate knowledge Greg’s property or financial
    obligations where she failed to show that any of Greg’s nondisclosed asset were of any
    material value at the time the premarital agreement was executed.
    ¶ 83                                        D. Unconscionable
    ¶ 84        Under the Illinois Premarital Agreement Act, it appears we need not address Jennifer’s
    claim that the agreement was unconscionable because the premarital agreement is enforceable
    where Jennifer failed to meet her burden of proving that Greg’s disclosure was not fair and
    reasonable or that she did not have adequate knowledge of Greg’s property. See 750 ILCS
    10/7(a)(2) (West 2016) (a premarital agreement is not enforceable if the agreement was
    “unconscionable” when it was executed and before execution of the agreement the party
    against whom enforcement is sought proves he or she was not provided a fair and reasonable
    disclosure or the other party’s property or financial obligations, did not waive any right to
    disclosure in writing, and did not, or reasonably could not have had, an adequate knowledge of
    the property or financial obligations of the other party). However, alternatively, since Jennifer
    has argued and alleged the premarital agreement was unconscionable at the time of execution
    and thus unenforceable, we address the issue of unconscionability as contemplated by the
    Illinois Premarital Agreement Act.
    ¶ 85        The Illinois Premarital Agreement Act does not define the term “unconscionable.” See 750
    ILCS 10/1 et seq. (West 2016). Under the Illinois Premarital Agreement Act,
    unconscionability is determined at time the agreement is executed—not at the time the
    agreement is enforced.8 See 750 ILCS 10/7(a)(2) (West 2016). In Illinois, a contract may be
    unenforceable if it is procedurally unconscionable, substantively unconscionable, or some
    combination of the two. Kinkel v. Cingular Wireless LLC, 
    223 Ill. 2d 1
    , 21 (2006) (citing Razor
    v. Hyundai Motor America, 
    222 Ill. 2d 75
    , 99 (2006)). The issues of unconscionability should
    be examined with reference to all of the circumstances surrounding the transaction. 
    Id. at 24.
    ¶ 86        Whether a contract or a portion of a contract is unconscionable is a question of law for the
    court to decide and is reviewed de novo. 750 ILCS 10/7(c) (West 2016) (“[a]n issue of
    unconscionability of a premarital agreement shall be decided by the court as a matter of law”).
    8
    The comments to the UPAA provide that in determining whether an agreement was
    unconscionable, “ ‘the court may look to the economic circumstances of the parties resulting from the
    agreement, and other relevant evidence such as the conditions under which the agreement was made,
    including the knowledge of the other party.’ ” Unif. Premarital Agreement Act § 6 cmt. (Unif. Law
    Comm’n 1983) (quoting Unif. Marriage and Divorce Act § 306 cmt. (Unif. Law Comm’n 1973)).
    - 21 -
    However, to the extent that the circuit court made findings of fact in the analysis of
    unconscionability, those factual findings are reviewed under the manifest weight of the
    evidence standard. See In re Marriage of Tabassum, 
    377 Ill. App. 3d 761
    , 777 (2007).
    ¶ 87                                  i. Procedurally Unconscionable
    ¶ 88       Jennifer argues the premarital agreement was procedurally unconscionable because she did
    not know that she was represented by Weston, Greg selected Weston to be her attorney, the
    Woodrum family business paid Weston’s bill, and Weston did not have Greg’s written
    disclosure when he met with Jennifer. Greg initially argues that by signing the agreement
    without reading it, Jennifer has waived any objections to the agreement, including her claim
    that she did not know that Weston was her attorney. Greg additionally argues that the
    premarital agreement was not procedurally unconscionable where Jennifer first met with
    Weston three months prior to the execution of the agreement and Weston reviewed the
    agreement with her at least twice, specifically discussing the waiver of maintenance and
    release of marital rights under the agreement.
    ¶ 89       Procedural unconscionability is some impropriety during the process of forming the
    contract depriving a party of a meaningful choice. 
    Kinkel, 223 Ill. 2d at 23
    (citing with
    approval Frank’s Maintenance & Engineering, Inc. v. C.A. Roberts Co., 
    86 Ill. App. 3d 980
    ,
    989-90 (1980)). “Procedural unconscionability refers to a situation where a term is so difficult
    to find, read, or understand that the plaintiff cannot fairly be said to have been aware he was
    agreeing to it,” taking into consideration the disparity of bargaining power between the drafter
    of the contract and the party claiming unconscionability. 
    Razor, 222 Ill. 2d at 100
    (citing with
    approval Frank’s 
    Maintenance, 86 Ill. App. 3d at 989
    ). Factors to be considered in determining
    whether an agreement is procedurally unconscionable include all of the circumstances
    surrounding the transaction, the manner in which the contract was entered into, whether each
    party had a reasonable opportunity to understand the terms of the contract, and whether
    important terms were hidden in a maze of fine print. 
    Id. ¶ 90
          Here, all of the circumstances surrounding the execution of the premarital agreement show
    that the parties had both previously been divorced twice and had children from their prior
    relationships. In discussing getting married, Greg clearly indicated to Jennifer that he would
    not get married again unless there was a premarital agreement in place. Jennifer had been
    licensed to sell insurance in 1987 and was able to explain and sell insurance policies that could
    be complicated, so that she was not incapable of understanding the terms of the contract. The
    premarital agreement was drafted by Greg’s attorney, who advised that Jennifer be represented
    by her own attorney. Greg testified that Weston had been hired to represent Jennifer because he
    was a client of Woodrum Automotive and had a good reputation as an attorney. Jennifer met
    with Weston twice and had months to review the premarital agreement before finally executing
    it before a notary on June 13, 2007. In the premarital agreement, Jennifer and Greg
    acknowledged that they were each represented by counsel, with Weston representing Jennifer
    and Tucker representing Greg; they were each able to support themselves; and they were each
    waiving their marital rights to the other’s property and to any maintenance.
    ¶ 91       We agree with Greg that Jennifer cannot claim a lack of understanding of the agreement or
    that the agreement misled her where she did not read the agreement. See Kloster, 
    127 Ill. App. 3d
    at 585 (one who had the opportunity to read a contract before signing and signs before
    reading it cannot later plead a lack of understanding or that the contract misled him). “[T]here
    - 22 -
    is generally little that courts can do to protect persons who are prone to signing contracts
    without reading them from the natural consequence of their folly, the law being that a party
    who is afforded an opportunity to read a contract prior to signing but signs the contract without
    reading it, cannot be heard to say that he was deceived as to its contents.” Hintz v. Lazarus, 
    58 Ill. App. 3d 64
    , 66 (1978). Here, the agreement clearly indicates that Jennifer was being
    represented by Weston, and therefore, she cannot claim a lack of understanding in relation to
    Weston’s representation. She also cannot claim that she did not understand that she would be
    receiving no property or maintenance from Greg. Before the agreement was executed, Jennifer
    had already decreased her work efforts in regard to her insurance sales but, nonetheless,
    executed the premarital agreement indicating that she was able to be self-supporting in the
    event of a dissolution of the parties marriage and that she was waiving her marital property
    rights and any right to receive maintenance.
    ¶ 92        Even if Jennifer did not know Weston was representing her, she had time before executing
    the agreement to seek out legal advice from an attorney of her choosing, which she did not do.
    We acknowledge that Weston did not have Greg’s written disclosure when reviewing the
    premarital agreement with Jennifer. However, Jennifer had a reasonable opportunity to seek
    out Weston’s counsel, or the counsel of another attorney, upon subsequently receiving the
    disclosure. Thereafter, even after executing the agreement on June 13, 2007, Jennifer had over
    two weeks prior to the wedding to review the agreement and seek legal advice or modification
    of the terms, which she did not do, before marrying Greg. See 750 ILCS 10/5 (West 2016) (a
    premarital agreement becomes effective upon marriage). Jennifer was free to choose to remain
    single rather than sign the agreement. See In re Marriage of Barnes, 
    324 Ill. App. 3d 514
    , 519
    (2001) (there is nothing legally or morally wrong with a party conditioning marriage upon the
    execution of a premarital agreement). Despite having a reasonable opportunity to review and
    understand the terms of the premarital agreement and to review Greg’s disclosure, Jennifer
    chose to sign the agreement and marry Greg, knowing that the intent of the agreement was for
    the parties to waive their marital rights to each other’s property and to waive maintenance.
    Given the evidence presented, Jennifer has failed to meet her burden of proving the premarital
    agreement was procedurally unconscionable.
    ¶ 93                                 ii. Substantive Unconscionability
    ¶ 94       Jennifer additionally argues that the premarital agreement was substantively
    unconscionable where the agreement made no provisions for her by way of property or
    support, even though she was already substantially financially dependent on Greg at the time
    she executed the premarital agreement. In support of her argument, Jennifer indicates that at
    the time the agreement was executed she was 53 years old; she only earned $7634 that year (in
    2007); she was financially dependent upon Greg; Greg paid the bills; she only had a high
    school education; she had been out of the workforce for several years; she did not own real
    property; her car was jointly owned with Greg; her investments and savings were worth less
    than $55,000; Greg was 50 years old; Greg earned $55,000 that year (in 2007); Greg had a 20%
    interest in two companies, one of which sold in 2014 for more than $350,000; Greg owned a
    home that was valued at $230,000 on his 2016 financial affidavit; and Greg had $120,000 cash
    on hand, interests in two farms, investments with Edward Jones, vintage cars, an ownership
    interest in a car he shared with Jennifer, and other financial interests that were indicated in the
    parties’ 2007 joint tax return. Greg argues the premarital agreement was not substantively
    - 23 -
    unconscionable because each party had waived maintenance from the other and each party
    would leave the marriage with the property they entered into the marriage with and with any
    after-acquired property.
    ¶ 95        Substantive unconscionability refers to terms that are “inordinately one-sided in one
    party’s favor.” 
    Razor, 222 Ill. 2d at 100
    . Substantive unconscionability is based on the actual
    terms of the contract in regard to the relative fairness of the obligations assumed and is concern
    with whether the terms are harsh, oppressive, or so inordinately one-sided as to oppress or
    unfairly surprise an innocent party and whether there is an overall imbalance in the obligations
    and rights imposed by the bargain. 
    Kinkel, 223 Ill. 2d at 28
    .
    ¶ 96        In this case, the terms of the premarital agreement were not so harsh, oppressive, or
    inordinately one-sided to be substantively unconscionable where both parties acknowledged
    they had the ability to be self-supporting and both released any claims to each others’
    premarital and after-acquired property and to any maintenance. The Illinois Premarital
    Agreement Act authorizes parties to contract in regard to, among other things, the disposition
    of their property upon dissolution and in regard to the elimination of maintenance (spousal
    support) and looks to whether the agreement was unconscionable at the time of execution, not
    at the time of the dissolution. 9 See 750 ILCS 10/7(a)(2) (West 2016) (providing that a
    premarital agreement is not enforceable if the agreement was “unconscionable when it was
    executed”). The agreement and the evidence indicated that Jennifer was able to support herself
    at the time she voluntarily executed the agreement, although she chose not to do so during the
    marriage, even in light of the terms of the agreement indicating that she would receive no
    property or maintenance from Greg in the event of dissolution of the marriage. The fact that
    after Jennifer voluntarily executed the premarital agreement she chose to continue to rely on
    Greg for financial support throughout the marriage does not support a finding that the terms of
    agreement were substantively unconscionable at the time the agreement was executed. See
    Landes v. Landes, 
    268 Ill. 11
    , 20 (1915) (premarital contracts would have to be dispensed with
    if they were held invalid solely because the wife does not receive as much as she would if there
    was no contract).
    ¶ 97        We note that the Illinois Premarital Agreement Act provides an exception to enforcing the
    terms of a premarital agreement that eliminates spousal support where not receiving spousal
    support (maintenance) would cause “undue hardship in light of circumstances not reasonably
    foreseeable at the time of the execution of the agreement.” 750 ILCS 10/7(b) (West 2016).
    However, Jennifer did not prove such an undue hardship claim in the trial court or make an
    undue hardship argument on appeal.
    ¶ 98        We, therefore, conclude that the trial court did not err in finding that the premarital
    agreement was valid and enforceable.
    9
    Under Illinois common law, maintenance waivers were disfavored and would only be enforced if
    given in exchange for significant financial consideration. In re Marriage of Martin, 
    223 Ill. App. 3d 855
    , 857 (1992). Courts also looked to the parties’ circumstances at the time of the dissolution to
    consider whether an unforeseen circumstance not contemplated by the parties, beyond a mere change in
    economic fortune, had occurred in order to mitigate the potential harm to spouses that could result from
    the strict enforcement of a maintenance provision. In re Marriage of Burgess, 
    138 Ill. App. 3d 13
    , 15
    (1985).
    - 24 -
    ¶ 99                                          II. Issue of Property
    ¶ 100        Jennifer also argues that the trial court prematurely entered the final dissolution judgment
    without properly addressing “the issue of property.” Jennifer contends that the trial court did
    not make a property award or specific findings as to the classification of assets as marital or
    nonmarital or other factual findings regarding the parties’ property. Jennifer claims that she
    had not completed discovery and was, therefore, unable to present evidence regarding
    “classification of the parties’ property and the proper application of the prenuptial agreement,
    such as contribution or reimbursement.” She notes that there was “no evidence as to the car the
    parties jointly owned back in 2007 or the checking account they had” and there was no
    evidence as to what funds Greg may have used to acquire or improve “assets” during the
    marriage. Jennifer requests for this court to reverse the trial court’s entry of the judgment of
    dissolution and remand this case for further discovery and further proceedings in regard to the
    division of property. Greg argues that the language of the premarital agreement provides that
    any property acquired by either party was nonmarital property so that there were no
    outstanding property issues in need of resolution.
    ¶ 101        Section 401(b) of the Illinois Marriage and Dissolution of Marriage Act provides that a
    dissolution judgment shall not be entered unless the court has considered, approved, reserved,
    or made provision for, inter alia, “the disposition of property.” 750 ILCS 5/401(b) (West
    2016). In order to distribute property upon the dissolution of marriage, the trial court must first
    classify the property as either marital or nonmarital property. In re Marriage of Blunda, 
    299 Ill. App. 3d 855
    , 861 (1998). We apply a manifest weight of the evidence standard to a trial
    court’s finding that there was no marital property to divide. See In re Marriage of Berger, 
    357 Ill. App. 3d 651
    , 659-60 (2005). A finding is against the manifest weight of the evidence when
    the opposite conclusion is clearly evident or where the finding is unreasonable, arbitrary, and
    not based on the evidence. 
    Id. at 660.
    While a trial court’s property classification will not be
    disturbed unless it is contrary to the manifest weight of the evidence (id. at 659-60), its final
    division of marital property will not be disturbed unless the trial court clearly abused its
    discretion (In re Marriage of Crook, 
    211 Ill. 2d 437
    , 452 (2004)).
    ¶ 102        In this case, in its written dissolution judgment, the trial court found that there was no
    marital property to divide because all the parties’ property was nonmarital property. Therefore,
    Jennifer’s contention that the trial court failed to make specific findings as to the classification
    of assets as marital or nonmarital or other factual findings regarding the parties’ property is
    without merit.
    ¶ 103        Also, Jennifer’s argument that “there [was] no evidence as to what funds Greg may have
    used to acquire or improve assets during the marriage” is entirely meritless. The evidence
    showed that Greg had funds from his nonmarital property prior to the marriage (i.e., $120,000
    cash on hand) and from his salary throughout the marriage (which was nonmarital property
    under the premarital agreement), which he may have used to acquire or improve assets during
    the marriage.
    ¶ 104        In reviewing the trial court’s finding that all the parties’ property was nonmarital, we note
    that the evidence showed that Greg and Jennifer kept their assets separate (with the exception
    of a joint bank account and automobile they owned jointly prior to the marriage). All of the
    property Greg and Jennifer acquired after their marriage was nonmarital property that had been
    excluded from becoming marital property by the parties’ prenuptial agreement. See 750 ILCS
    5/503(a)(4) (West 2016) (nonmarital property includes “property excluded by valid agreement
    - 25 -
    of the parties, including a premarital agreement”). When asked by the trial court prior to the
    entry of the dissolution judgment, and by this court during oral arguments, what property still
    needed to be addressed, Jennifer’s counsel only indicated that there had been jointly owned
    property (the joint bank account and 2002 Ford Mustang GT) prior to the parties’ marriage in
    2007. However, there is no evidence that either the parties’ joint bank account (the status of
    which Jennifer could have presumably sought information about directly from the bank as a
    joint owner) or the parties’ 2002 Mustang still existed at the time the dissolution judgment was
    entered on May 30, 2017. In fact, Greg’s financial affidavit submitted in 2016 did not list either
    of those assets, which supports a finding that those assets no longer existed. Therefore, based
    on the evidence presented, the trial court addressed all of the parties’ property at issue. The trial
    court’s classification of all the property at issue as nonmarital property was not against the
    manifest weight of the evidence.
    ¶ 105       Even if Jennifer was correct that the initial discovery in this case had been limited to issues
    of temporary maintenance and the validity of the premarital agreement, those issues were
    related to the Greg’s financial circumstances (his financial circumstances prior to the marriage
    in regard to whether his disclosure was fair and reasonable and whether Jennifer had adequate
    knowledge of his financial circumstances before executing the prenuptial agreement and his
    financial circumstances at the time of the dissolution proceedings in regard to the issue of
    temporary maintenance). As the trial court noted, Jennifer had taken depositions but failed to
    raise any issue in regard to any alleged marital property. During the proceedings, Jennifer
    never argued that any specific asset was marital property or that she had contributed to any
    specific assets for which she was entitled reimbursement. Furthermore, Jennifer did not make
    any additional discovery requests after the trial court had found the parties’ premarital
    agreement was valid or in response to Greg’s motion for the entry of a dissolution judgment.
    Jennifer has not pointed to any specific discovery request that she was prevented from
    pursuing or to any specific asset that remained at issue. Consequently, Jennifer’s contention
    that the trial court entered the dissolution judgment prematurely has no merit.
    ¶ 106                                    III. Temporary Maintenance
    ¶ 107       On cross-appeal, Greg argues that neither party had the right to receive temporary
    maintenance where, under the premarital agreement, both parties had acknowledged that they
    were each “self-supporting” and that they each had educational and work experience that had
    allowed them to acquire valuable and readily marketable employment skills and their own
    separate assets to be able to provide for their own support. Greg contends that in construing the
    premarital agreement, it is clear that the parties had intended for each party to support himself
    or herself and for neither party to receive maintenance of any kind from the other. Jennifer did
    not respond to Greg’s cross appeal. Nonetheless, we decide this issue without the aid of a
    cross-appellee’s brief pursuant to First Capitol Mortgage Corp. v. Talandis Construction
    Corp., 
    63 Ill. 2d 128
    , 133 (1976) (where the appellee fails to file a brief but the record is simple
    and the claimed errors are such the court can easily decide them without the aid of an
    appellee’s brief, the court of review should decide the merits of the appeal). People v. Johnson,
    
    197 Ill. 2d 478
    , 481 (2001).
    ¶ 108       Here, the issue is whether temporary maintenance was barred by the terms of the parties’
    prenuptial agreement. A premarital agreement is a contract and, therefore, the rules governing
    contract interpretation are applicable. In re Marriage of Best, 
    387 Ill. App. 3d 948
    , 949 (2009).
    - 26 -
    The construction of a contract presents a question of law, which we review de novo. 
    Id. The primary
    purpose of construing a contract is to give effect to the intent of the parties. Gallagher
    v. Lenart, 
    226 Ill. 2d 208
    , 232 (2007). A court must look to the language of the contract, given
    its plain and ordinary meaning, as the best indication of the parties’ intent. 
    Id. at 233.
    Because
    words derive their meaning from their context, a contract must be construed as a whole,
    viewing each part in light of the others. 
    Id. The intent
    of the parties is not determined from
    detached portions of a contract or any clause or provision standing by itself. 
    Id. If the
    terms of
    a contract are susceptible to more than one meaning, it is ambiguous. 
    Id. In that
    case, a court
    may consider extrinsic evidence to determine the parties’ intent. 
    Id. ¶ 109
           In this case, the recitals to the parties’ premarital agreement indicated it was the intent of
    the parties to define their respective rights in the property of the other, “both during the
    marriage relationship and after its termination”; to avoid interests that each might acquire in
    the property of the other; and to pass their respective property to their designated beneficiaries.
    In the recitals, the parties acknowledged that while they both “fully intend[ed] to commit
    themselves to achieving a successful long-term marriage and intend[ed] and desir[ed] to
    provide fairly and reasonably for the support of each other,” they were personally aware of the
    practicalities and realities of life and the time, financial, emotional costs in the unfortunate
    event of “a legal proceeding concerning the parties’ separation or dissolution,” and they
    intended to minimize the time, financial, and emotional costs involved in the event of a future
    “separation or dissolution of marriage” by entering into the premarital agreement. Recitals to a
    contract provide explanations of the circumstances surrounding the execution of the contract
    but are not generally binding on the parties and are not an effective part of their agreement
    unless referred to in the operative portion of the agreement. First Bank & Trust Co. of Illinois
    v. Village of Orland Hills, 
    338 Ill. App. 3d 35
    , 45 (2003).
    ¶ 110        Under the operative terms of the agreement, the parties referred to (1) property division, “if
    any there be,” upon “divorce or dissolution of marriage”; (2) awarding of jointly owned
    property upon “divorce or dissolution of marriage” in proportion to their contributions to
    acquiring such property from their separate funds; and (3) crediting or refunding either parties’
    investment or contribution toward property of the other “in the event of a divorce.” The
    operative terms of the agreement, in the maintenance section (section 8), the agreement
    provided, in relevant part, “Husband and Wife, therefore, hereby waive from the other all right
    to maintenance for themselves from the other under the laws of the State of Illinois or any other
    state in which either party may hereafter reside upon divorce or dissolution of marriage
    contemplated by this Agreement.” (Emphasis added.) The following section (section 9), titled
    “Dissolution of Marriage or Separation,” indicated the parties intended for the agreement to be
    binding “in the event of a dissolution of marriage or a separation by and between the parties.”
    ¶ 111        As mentioned above, in the recital section, the parties indicated their intent for entering
    into the premarital agreement was based upon on their awareness of, and their intent to
    minimize, the time and financial and emotional costs involved in the event of “a legal
    proceeding concerning the parties’ separation or dissolution.” (Emphasis added.) Under the
    parties’ agreement, the requirement of a legal proceeding qualifies the word “separation,”
    thereby restricting the type of separation covered by the agreement to a legal proceeding and
    demonstrating the parties’ intent to place a narrow construction on the word “separation.” See
    
    Best, 228 Ill. 2d at 120-21
    (holding the word “separate” in the parties’ premarital agreement,
    wherein the parties’ waived spousal support in the event they “separate” or their marriage was
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    dissolved, was intended by the parties’ to require a legal separation (not a mere physical
    separation) where their agreement reflected their “awareness of the practical, financial, and
    emotional considerations present ‘in the unfortunate event of a legal proceeding concerning
    the parties’ separation or dissolution’ ” (emphasis in original)). Therefore, the maintenance
    provision of section 8, under which the parties waived maintenance, was not effective until
    dissolution of the parties’ marriage or at the time of a legal separation. Consequently, the trial
    court did not err in awarding temporary maintenance during the pendency of this case, prior to
    the entry of the dissolution judgment.
    ¶ 112                                       CONCLUSION
    ¶ 113       For the foregoing reasons, the judgment of the circuit court of McDonough County is
    affirmed.
    ¶ 114      Affirmed.
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