Thank you for all you have done for us- it was very hard work for you! We had to make several changes and also had not really got our sums right before coming to you.  You were patient and understanding, and took lots of trouble to explain things really clearly.  Even though we are very old- ( over 50!!)- you were able to get us a good mortgage at a much lower rate, so our payments are very reduced.  We really appreciate the service- thank you.