Hi Paul. Thank you ever so much for your review and we’re really pleased to hear that you were happy with the service you received. We are sorry the whole process took so long. When reviewing a pension, the one thing we cannot control is how long it takes a current provider to send all the information necessary to make a proper analysis. Some are very good while others are glacial, which is immensely frustrating! Thank you for your patience. And thanks again for your review.