Hi Paul, Thanks for this message and for the hand-written card along with the Starbucks card. I appreciate all your work on putting our mortgage together, it was definitely by far the most efficient mortgage process we’ve ever been through and I really appreciate that given my schedule. I believe everything is complete now and it all went as planned. I will absolutely contact you for all future mortgage needs and if I hear of anyone at all that is looking for help on a mortgage, i will definitely send them your way. Thanks again!!