Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to reach a divorce settlement outside of court [title] Schedule some time to talk. [step] One way to come to a settlement agreement is to meet with your spouse and see if you can work out an agreement on your own. This may be difficult.

Ending1: However, in addition to meeting with your spouse, you may want to meet in a regular, non-court-like setting that will work for both of you. Setting some time aside for the two of you to talk can help make the conversation easier to see. Ending2: [substeps] You might consider scheduling a date to talk. If not, then you should set a specific time for the conversation. Ending3: However, you may be able to work through negotiations together that will be easier. Start early and make sure you take into account the division of assets and time allotted by the other party to get a settlement. Ending4: In fact, your marriage may have broken down precisely because you had difficulty communicating with each other. However, you can save considerable sums of money if you can reach a voluntary agreement on your own.

Answer format: ending1/ending2/ending3/ending4