I want to thank, Michael Johnson, from the bottom of my heart for all his help, support, patience and guidance. My application was particularly challenging, but I got there in the end, which if it had not been for Michael, would never have happened. I sincerely appreciate all your efforts, the hundreds of emails and the numerous telephone calls. I wish you the best of luck, especially at this time, where the world economies are facing big challenges and mortgages difficult to come by. Thank you.
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