Hi Jay Rahman, I have been away from home on a work-related trip and did not have much chance to do e-mails. I will like to take this opportunity to thank you sincerely for every thing you have done for us for the past 3 or 4 years, culminating in a successful mortgage loan refinancing three weeks ago. Your role in getting us where we are now was much appreciated. I will definitely keep in touch with you for all mortgage-related issues. I am sure you will be of help to us in the years to come. Thanks a million. I am also going to give your name to my friends and colleagues who may need help with mortgage refinancing (I have already given your contact information to one good friend in my area; his name is Mr. Kumah. He may be contacting you hopefully, soon). I have no doubt that you will be of help to the people I send your way. Thanks again for your wonderful assistance.