All to often we get the harsh experience of living in a very fast pace world where a simple call back to a client could make all the difference in one’s life. Having Joel as a representative of yours has been extremely pleasant and eventful. This isn’t me just saying this to appease your ears. Joel’s consistency has been the pivotal point in my life. He has been very kind each and every time I’ve called upon him whether I had a concern or just to check the status my credit. Thank you for hiring such a pleasant individual. I find him to be the essence of your company. For this I’m truly grateful for his and this wonderful experience.