Good morning Mr. Mike. I am sorry I haven’t even thanked you and KaVang for helping us with our refinance on our home. I just want to let you know Robert and I truly appreciate all the help both you and KaVang gave us during the loan process. This was the quickest loan I think we have ever received. Thanks for taking the time to help us understand all the paperwork and being so patient with us. I especially thank you for changing the loan from FHA to Conventional at the last minute, I know that was probably a lot of work but, you both made us feel comfortable and didn’t get impatient with us. The convenience of the signing was also appreciated. We will definitely recommend your company to anyone we know who is looking into a loan or refinance. Thanks again, it was a pleasure working with you both.