Dear Bart, Bedankt. I appreciate the commitment and professionalism from you as well as all your colleagues with the entire process. Thank you very much for being through the entire process right from the start and helping out all the way. It was indeed fingers crossed and nerve racking till the last day. I guess I go as one of the most difficult customer in your books. I owe all of you guys more than a drink, but please let me know when , I would like take the expat mortgages team out for a drink. Shamin Shahul Hameed