I wanted to say thank you for all that you have done to help Carmen and I visualize our retirement through the use of our banking policies. As business owners, we have always wondered how can we retire and still maintain our lifestyle. I’ve seen firsthand what can happen when you do not plan correctly. I was one of those that thought what I was doing before was the best thing, then I meet you and wow, you really opened my eyes to how I can use the money that is in my policy, and still have it grow quickly and consistently. Best of all, there is no risk. I’ve seen that when the economy went down, my money continued its upward path. We cannot thank you enough. We know that our retirement is secure and we could not be happier.