I definitely appreciate Chris’ efforts and commitment to getting us the best deal possible. I think the biggest highlight here for me was the fact that we talked about working on lower rates over a year ago, and you mentioned that you will keep a eye out and let us know when the time is right and you did just that. That speaks volume to your commitment to your customers and your passion for your job. When the VA IRRL didn't pan out right, you quickly pivoted and provided the best option to save a great deal on our monthly mortgage. For all of that i want to say thank you! Thank you! Thank you!