May I thank Curtis for engaging with me on esoteric financial questions. It proves deep training and supposed staff staying for a good number of years with SM. Hope that bonus structure rewards them as they make all the difference. May I thank Curtis again for supporting me whilst I tried to make a new payment. It made all the difference between me pursuing my goal and giving up!!! I was only sorry that my bank was unaware of your friendly society. Nothing too much trouble - miles away from robotic responses elsewhere. May I suggest an annual lottery with small prices for clients who stay beyond 5 years, then 10 years etc..compete with NSAnd I! Lots of other ideas available here to support those who are in financial need.