As we recently closed, just wanted to say thank you for all of your assistance through the refinance process.  As always I am very impressed with all of you guys at Poli Mortgage group.  You are very on top of all the details, extremely responsive, very service oriented and knowledgeable.  I think this was my fourth time working with you guys and it’s always a pleasure.  Very nice to work with people who know their stuff, have their act together and are always available and very client service oriented.