Thank you Bruce and your entire family at CrossCountry Mortgage. It has been an absolute pleasure working with you all. For my first refi as a homeowner I am definitely looking forward to do this again in the future, because of the CrossCountry Mortgage Team. All of you have been patient with me and my lack of computing prowess. It has made this experience one that I learned a lot from and as a result of all of your professional support my fiancé and I are looking forward to working with the Team at CrossCountry again with her property very soon. Thank you ALL again!! God Bless you all and have a great day.