First, I want to thank Dave for not only walking me through the process of my mortgage application, but also explaining everything to me in "layman's" terms. Secondly, when my deposit was put at potential risk, you said without hesitation, not to do that and to have the confidence and the ability to walk away. Additionally, it was nice to work with a professional. A person you have faith in and who always returned calls. I told my wife, Lisa, on numerous occasions it was a pleasure working with a businessman that you have confidence in. Finally, thank you, and never hesitate using me as a referral if you ever need one. I look forward to speaking with you next year concerning a reverse mortgage. Again, it was a great experience, even with all the stress from the sellers side, it all worked out in the end and in no small part because of you.