What does a real estate lawyer actually do in a real estate transaction? We explain the process and role a real estate lawyer plays and why you need one.
Buying a house is one of the biggest purchases we make in our lives. The paperwork alone can be overwhelming, especially if you’re a first-time buyer.
We here at Canadian Mortgage Professionals have been helping Canadians just like you achieve their dream of home ownership through unmatched experience and expertise since 1989.
Our staff consists of nothing but top mortgage professionals from across Calgary, with the primary goal of simplifying the financial side of the equation so you can focus on finding your home.
Not all mortgages or mortgage providers are created equally, but with our experience and expertise we are able to tailor your mortgage to your specific needs. By reviewing your requirements we are able to match you with the best available option.
Get started today with our online mortgage application.
LET’S GET STARTED
Any of these areas will get you started with what you need to know.
Are you looking to learn how a mortgage broker can minimize the stress of purchasing a new home, while ensuring you get the right mortgage for your financial circumstances?
Then get started in these key areas.
CHECK OUT THE LATEST FROM OUR NEWS SECTION
We write on topics that prospective, existing, and repeat home owners need to know.
What exactly is a credit report and why is it so important when it comes to obtaining a mortgage?
Real Property Report, what is it exactly and how important is it to our offer to purchase.
A look at today’s interest rates, compared over the past 40+ years.
If your mortgage renewal date is approaching, now is the time to get up to speed on available mortgage renewal options.
Down payment can be a hurdle for many perspective home buyers. We’ll have a look at 5 options to help your home ownership dream come true.
Mortgage Refinancing can get you out of a financial pickle, but is it your best option?
This Calgary Mortgage Broker is leading the pack. Lets discover what his clients have to say and what he’s doing different.
The Home Buyer Tax Credit can reduce the amount of income tax you owe, if home ownership became a reality for you last year.
Renting versus buying, which way to go? Arm yourself with all of the knowledge available when making this very important decision.
Mortgage default insurance rates are rising March 17th, lets have a look at how rising rates will impact the home buyer.
Home ownership, for most of us, is the biggest purchase and commitment we take. A big question that arises is how much do we spend?
HERE’S WHAT SOME OF OUR CLIENTS HAVE TO SAY
It is a privilege to help our clients achieve their dream of home ownership.
Great Mortgage Company, very easy to work with as well as very professional. We were originally going to go with RBC for our first time mortgage, after the interest rates raised a couple points we decided to call Canadian Mortgage Professionals, who were highly recommended. We were able to get a great rate and we are very pleased with our decision. If you are searching for a mortgage with good rates don’t hesitate to give Canadian Mortgage Professionals Inc a call and they will take good care of you. Thanks again Ken MercerJason G
Excellent service and good communicationRobbie A
I just wanted to email you and thank you for taking such good care or my friends Amber and Chad. They have such great things to say about how well you guys took care of them, they had a rough start and you guys made them feel so comfortable throughout he process. Thank you !! I will be sure to refer you anytime I can !!Jennifer C
Very professional… Great service. No issues at all. I will definitely recommend…Umesh P
The team here is amazing. Jackie and Bob were both incredibly nice. Jackie went so far above and beyond for us. She was never in a rush always relaxed and always on top of the task at hand. Quick efficiency service and responses whenever I needed one, always informative, very professional and treat you like family. I would recommend Jackie and the rest of the folks here to anyone for their mortgage needs. They really are the best out there.Chad B
Me and my wife had a really great experience with this mortgage company they were really professional! And there also Canadian! 😉 they provided a lot of information about the mortgage process in Canada and paperwork and that kind of stuff can get boring sometime but they manage to keep it fun so that you pay attention to all the important things. I would definitely recommend these guys to all my friends!Chris P
We had an absolutely fabulous experience with Canadian Mortgage Professionals. They were extremely professional and knowledgeable. I would recommend them without hesitation to anyone seeking a mortgage or mortgage advice.Carly M
- We were referred by our realtor. Bob and Merima were fantastic to talk to. They answered all our questions and more. The mortgage approval process was quick and painless, almost enjoyable.Brittany B
My husband and I recently worked with Bob and Ken when purchasing our first home and we couldn’t have asked for a better experience. Bob was very patient with us as he taught us about the mortgage industry and he provided us with some valuable insight about what type of mortgage was best suited for our needs. We found Bob and his team to be very friendly and professional at all times, and we highly trust their opinion and expertise. We would highly recommend Canadian Mortgage Professionals to anyone who is looking for a great customer service experience!Emily P
Our offer was accepted on the house of our dreams but we needed all the financing to be approved quickly.. Merima got it all approved in 2 days! We were very relieved to have it all dealt with so fast. Definitely will recommend to anyone I know buying a house.Georgie K
We were referred to Canadian Mortgage Professionals by our realtor who spoke very highly of them and we were not disappointed. This team of people worked tirelessly to arrange our mortgage in a seamless manner and get us an excellent interest rate. They were a pleasure to work with and always on top of everything. They made it look easy! That’s why they’re called professionals….right!?
We were very happy with their work and would refer them to anyone. Thank you Canadian Mortgage Professionals!
Shelley & CorwynShelley P
- 11 out of 10 – Bob, Ken, Jackie and Collen are the all-stars of the mortgage industry. Known in Calgary as the “Magic Man” or “Kid Wonder”, Ken Mercer, is a top notch mortgage broker and is bested only by the wizard of the mortgage industry, Bob Reader. They’re the most knowledgeable people I’ve worked with in the real estate industry as an Area Manager for a home builder. They’ve been referred to all of my closest friends and clients, and have now helped me with 2 mortgages. Keep up the good work team.Reilly L
Canadian Mortgage Professionals are a fantastic group of people! Ken Mercer guided me through every step of the purchasing process. He was very prompt and efficient with communication, and was always available to answer my numerous questions. I would wholeheartedly recommend using Canadian Mortgage Professionals, and will definitely call them again if I am buying a house in the future.Lara T
Great Customer Service! The person handling my mortgage application was very helpful, knowledgeable, patient, and went above and beyond what i expected. I would definitely recommend them to anyone. A+++ rating!Richard D
Was an awesome experience, the team at at Canadian Mortgage Professionals were great to deal with, helped answer all my questions and made sure I was getting the most flexible mortgage possible for me!Ryan M
Bob and his team have made the purchase of our first home a whole lot less stressful and even a bit fun! We will highly recommend them to anyone looking at purchasing a home. Down to earth, professional, thorough, and efficient. Look no further.Josh T
The experience was awesome! I would recommend Canadian Mortgage Professional again and again. Thanks Ken for making this experience fun and worthwhileJonathan F
We came over from a bank we grew tired of. The whole team made us feel like family. Jackie and Bob are fantastic, down to Earth people you can talk to. Jackie was incredible, we will be using them again on a second property we own. #CanadianMortgageProfessionalsrockStefan T
- I recently purchased my first home and Ken and the Canadian Mortgage Professionals team came highly recommended from a close friend. All my questions and worries were very quickly answered and Ken has been great at accommodating my busy work schedule. The whole process was very professional and I would definitely recommend themBen H
The service and support we have received from Canadian Mortgage Professionals has been exceptional. Each meeting has been informative and helpful. We never feel rushed and the service is personalized and detailed. After working with Ken we feel confident and excited to purchase our new home.Mandy S
The service and support we have received from Canadian Mortgage Professionals has been exceptional. Each meeting has been informative and helpful. We never feel rushed and the service is personalized and detailed. After working with Ken we feel confident and excited to purchase our new home.Jodie M
Bob and his entire team were efficient and very knowledgeable in helping me secure the best mortgage possible. Also, his regular emails regarding the current market are helpful in allowing me to be up to date with current housing and mortgage news. Would recommend them time and time again!Jenny K
- Such an awesome experience! Never felt stressed or uncomfortable in anyway. Would definitely refer to family and friends!Cassandra C
Great customer service, fast response time and very knowledgeable. We would recommend Bob to our friends and family!Graham S
Very professional! Always on top of things and communication is timely. They will always be our first referral when someone we know is looking for mortgage financing.Jay S
We worked with Canadian Mortgage Professionals for our 4th time. As usual it was an outstanding experience with Ken and the team. We will continue to use them for all mortgage servicesClayton M
Brilliant service would highly recommend themEric O
Bob and the whole team at Canadian Mortgage Professionals, were truly amazing to deal with. We got the best rates available, they dealt with a crazy deadline, and they kept me and my partner assured and calm with the whole process. What is normally a stressful experience, was a walk in the park. I would highly recommend them to anyone.Shannon G
We were very pleased with Ken at Canadian Mortgage Professionals. Good rate and excellent customer service. We would definitely recommend him.Ted J
Once again CMP has given us ‘everything and more’ with our new mortgage. This is the 4th home we have purchased with Bob and Jackie’s help, and we cannot recommend them highly enough. Bob is THE mortgage guru and is always happy to go the extra mile to get the best mortgage out there. Jackie got us through all of the lender hoops painlessly, and was with us every step of the way. The icing on the cake for us is that it feels like we are dealing with old friends. Thank you Bob and the team. Judy & MarkJudy D
I was referred to the dynamic duo of Ken and Bob. Ken took the lead on my ‘interesting’ although challenging mortgage situation, while Bob provided the entertainment. Ken was exceptional in handling my situation. I would highly recommend him and the team at Canadian Mortgage Professionals for all your mortgage needs. I also must thank Colleen, Merima & Jackie for their part in ensuring things ran smoothly & the lovely chats. Thank you for everything.Carol R
Bob is so wonderful! He takes the stress out of applying for and re-negotiating a mortgage. He is smart, kind, endlessly patient, and absolutely has the best interests of his clients in mind. I could not give him a higher recommendation!Gillian C
Ken Mercer and his assistant Merima were excellent. I had so many questions and they were very patient with me and explained everything. I have already recommended them to my friend’s daughter and will continue to recommend them. Thank you again Ken and Merima!Cindy A
These guys are absolutely the best. I’ve renewed with them twice and referred everyone I know. I truly believe that they are not salesmen, they are team members in your financial plan. They even jumped through hoops advising me for free when I was looking at a complicated short term rental mortgage.Jarvis S
Bob thoroughly reviewed our information and provided thoughtful analysis and recommendations. He is also kind, and cares genuinely about helping his clients. As a lawyer, I applaud the detail with which he walks his clients through all the agreements – an important and professional touch.Denise B
Bob and his team worked around the clock to help us get our financing in order quickly. In addition to being able to secure excellent rates, he’s just a pleasant person to work with. I highly recommend Bob.Anthony M
This is the second time we have used Canadian Mortgage Professionals and we will continue to use them. Ken is always answers our questions and he responds quickly to our email/vm messages. My husbands schedule is all over the board and Ken was able to meet us when it was best for us. We have referred our friends and will continue to do so. Although we have dealt primarily with Ken and at times with Bob, we know it takes a team effort. Hats off to your great team, thank you!Donna J
Bob and team were very helpful and provided us with a lot of information to help us make our decision. They were efficient in processing our information and made sure we had the necessary documents to complete the purchase smoothly. Overall, they were wonderful!Samantha L
We had a very good experience with Canadian Mortgage Professionals. Highly knowledgeable and very professional . Will definitely use Bob Reader again.Tom H
I chose Canadian mortgage professionals based on google’s reviews. They are even better than I expected. They have excellent customer service and high work efficiency. Strongly recommend them.Zheyi
I was very impressed with the handling of my mortgage. Everyone was very nice and professional. All my questions were answered and they made the process very pleasant. Thank you Bob and MerimaPatti W
Bob and his team came to our aid when we really needed help and pulled our butts out of the proverbial fire. We were in need of some fast action and Bob’s team came through. This is not the first time we’ve used him and there’s a reason why, he’s good at what he does and he understands the situations and obstacles you face. Do yourself a favour and reduce the stress in your life; drop the bank sales person and let Bob take care of you. He’ll get you a better rate than any bank.Tony M
Ken and the team have been very helpful in answering all the questions I’ve had so far. They’ve also been accommodating to my schedule and made the process very easy.Darren D
Enthusiastic and professional team to work with. Prompt communication, sound advice and thorough explanations made the process of setting up my first mortgage trouble-free.Jamie J
We really enjoyed our experience with Ken, he was thorough and very patient which as first time home buyers was very appreciated. I highly recommend the entire team at Canadian Mortgage ProfessionalsAlexis W
We can consistently trust the team over at Canadian Mortgage Professionals for solid advice and excellent service, and we know that our best interests are always being kept in mind!Justin W
Thanks to Bob and Jackie!
Recently Jackie helped me renew my mortgage. With her professional assistance and incredible attitude, I was able to receive the mortgage rate and term I was looking for! Thank you very much Jackie, you’re awesome!!
All the best to the entire team at Canadian Mortgage Professionals.Dave L.
The staff at Canadian Mortgage Professionals are very welcoming and informative. I have met with both Bob and Ken and they are both very knowledgeable and helpful and more than willing to answer any questions. I will recommend Ken and the group at Canadian Mortgage Professionals to anyone I know needing financing in the future.Courtney D
We heard about Canadian Mortgage Professionals from a family member. From the first phone call we knew we were in good hands. My son was buying his first home and felt very informed in his decisions thanks to Bob, Ken and Arlene. They made the process easy and smooth.
Thanks for everything.Cheryl C
Ken was great to work with; during the entire process he kept me informed and was very responsive if I had any questions. I really appreciated the fact that he picked up early on that my preferred means of communication was email and was very good at sending emails; this was extremely helpful and I really appreciated it. This was my second time using Canadian Mortgage Professional and I will definitely use you again the next time I buy a home and as well refer your company to friends and families. This is how customer service is supposed to be.
The level of service and rate info was excellent, much better than dealing with a bank directly.Adebayo A, Airdrie AB.
As a first time Home Buyer I had great experience from start to finish. From crunching numbers with Ken, to signing the end paperwork with Bob, Canadian Mortgage Professionals nailed it. I would highly recommend this team to anyone else looking to buy a house.Brad C
Jackie is the absolute best! Exceptional customer service / experience. Bob what a cheerful fellow. I highly recommend Canadian Mortgage Professional for anything Mortgage related. Truly a broker that is here for u, they work so hard as a team to get you the best deal. Keeping you in the loop every step of the way. Thumbs up!!!Alex
From the first moment I talked to Colleen Obleman and Bob Reader I knew this would be the establishment for me, they’ve been beyond helpful. As this was my first time buying a house Colleen has answered all my small and big questions as well as given me excellent guidance through the entire home buying procedure. Bob being a fellow car guy was immediately easy to talk to, he walked me through the entire mortgage process and how everything worked. He’s extremely patient and easy going. I recommend Canadian Mortgage Professionals to anyone young or old they will take care of you !!! Thanks Bob & Colleen !Collin Y
We have just arrived back from our vacation and spent the first night in our new house! We want to thank you for all your help and professional service you provided us with our mortgage. You made the process go by easy. Also, we would like to thank Bob, who picked up the cost of the property appraisal.
Thank you.Nicole and Brandon
Sorry for the tardy reply to your previous voicemail. Life has been rather crazy the past few weeks with all the moving and renos we have been up to!
Our financing and conditions went through without a hitch, the real property report was fine. Thank you for all your work and diligence helping set us up! We’ll be sure to keep you in mind if friends or family are looking for mortgage advice.
Thank you for all of your help. My dad leaving the country on business put everything into a bit of a crunch since I couldn’t get a number of documents regarding the gift letter or confirmation of his assets. Going with CIBC was my only option since such a tight deadline had been set.
I was just looking at the property 2 weeks ago so the super fast turn around was quite a whirlwind.
Thank you once again. I will certainly be contacting you at the end of this term.
I hope your faucet is still working well!Alex
Thank you Jackie and Arlene for all of your hard work. You made my first home purchase happen stress free and with ease. Working with your team was the best part of finding my home! Despite my many downs from other areas of this journey, I smile when I think of how Jackie answered all my questions and gave me peace of mind. Terrific service- I have passed your name to my friends!Kayla
Bob and the team at Canadian Mortgage Professionals have never steered us wrong and would be our first contact if necessary in the future.
Ken and the team at Canadian Mortgage Professionals were professional and worked to help us get into our new home on time. We truly appreciated their guidance, support and help. They were knowledgeable and professional throughout the process making the process easier for us.
We truly appreciated working with them!Cindy & Mike
We approached Bob and his team earlier this year to see if it was best for us to redo our Mortgage. Our term was not up for renewal, we still had a couple of years left but thought it best to ask the question rather than wondering if we could have gotten a better rate. One quick email was all it took, Bob got back to me right away with the great news of YES, he got everything going and I didn’t have to worry about anything. We now have a lower interest rate and some extra funds to put toward our garage project.
Thank you for working to make everything so smooth for us. Your team gave us great advise, saved us the stress of dealing with the finance ourselves, made it possible for us to have the option to fix/replace our garage and saved us some money along the way and over the years to come.Christy
My realtor passed along Bob Reader’s business card to me fourteen years ago as I was considering the purchase of another home and was seeking the advice of a mortgage broker.
At that time, I received excellent, professional, financially responsible advice by telephone from Bob who surprisingly, cautioned me not to proceed with the purchase of the house. Even though I had never met him, his integrity, honesty and authenticity of character was very evident; like a trusted friend or family member, he gave advice that was best for my situation, rather than for his own benefit.
Over the years, I never forgot his goodwill or the time and attention he gave me, without even knowing who I was. And so, fourteen years later, I dusted off his old business card that I had saved, and gave him a call when I found myself in need of a mortgage broker again.
Once again I was struck by his genuine desire to be helpful and to provide the most superior, professional services possible. When my partner and I arrived at his office we were treated with the utmost hospitality, positive energy, humor and customer service by Bob as well the rest of his staff.
They each instilled confidence and worked diligently and meticulously to expedite our purchase with the best possible mortgage rates and ensuring that we were fully informed of all of the details and conditions pertaining to our new mortgage agreement. They were also very sensitive to the purchase contract deadlines and had everything wrapped up perfectly before the deadline to remove financial conditions.
Someone was always available to answer our questions accurately and knowledgably, and our calls and emails were returned immediately, because we were valued. We were never left on hold, like one might be with a bank, or wondering what the current status was at any point.
In fact, after informing my own long time financial institute of our recent home purchase, the agent inquired as to what mortgage rate I had received via the broker, and after responding, he replied: “That is just an amazing rate, good for you!”
There are many more reasons why I would choose Canadian Mortgage Professionals again in the future. The bottom line is that he is a very good hearted and generous person, who does what he says that he will do. I would and already have recommended Bob Reader’s company without hesitation.
I have never initiated a letter of recommendation for a mortgage broker before, and I likely won’t again, but this is a no brainer.Lori L.
Again, so many thanks for helping me out with this. Your support is truly appreciated.
Never having been through any of this before, I really don’t know what to expect, or what the proper process is when it comes to some of these things. The fact that you look out for your clients really sets you apart. Thank you again.Laura
Just short note to thank you for the impeccable service we recently received from your firm. It truly is the stress free way to obtain a great mortgage with professionals like yourselves crossing the ‘T’s and dotting the ‘I’s for us. This is our second purchase through Canadian Mortgage Professionals and we highly recommend you to anyone looking for an excellent mortgage broker.Natalie
I appreciate the work yourself and Bob put into arranging my mortgage and dealing with the (small) complications that arose. It’s definitely been much less headaches than I would’ve imagined arranging a mortgage would be.
Just thought I’d send out this note of gratitude and wish you both the best for the future.Andrew
Sharon and I are thrilled and extremely pleased you and your team were able to put this together for Brad. You should see how happy he is. You are very good at what you do and we are grateful for all you have done.Kevin and Sharon
Good Morning Jackie & Bob,
Chris and I just wanted to send you both an email to say THANK YOU so so so much for all your assistance during this whole process of buying a new house. Although it was a bit of a battle getting the mortgage together (still baffles me what they want and ask for and we realize it had nothing to do with your services, it was all the banks) we still came out with an awesome rate and you guys provided beyond exceptional customer service. We have had people ask us why we use a broker and it is because of people like you both that make us coming back knowing we are getting the best possible deal out there, not to mention amazing service. We will be sure to pass your name along whenever we have the opportunity too.Tina and Chris S
Good morning Jackie,
I would like to take this opportunity to thank you for your hard work! For the whole duration of submitting, signing paperwork, everything went very smooth even though you and I were about 3000km away from each other. You are representing well for Canadian Mortgage Professionals Inc.!!! I will recommend your company to my friends and the people that I know if they ever need a mortgage agent.
Once again, thank you for everything!Bao Q
Good Morning Everyone!
I want to first say that you guys have been AMAZING! I could not have asked to deal with more professional and positive team of individuals. I don’t say this lightly, as I work in a field where I deal with many different contractors and services employees daily. Working with you has been a flawless experience, and I cannot say enough about the quality of this establishment on every level. You will be my go to, in any future business I will have. In addition, I will certainly be advising any friends or acquaintances to deal with your company. I can’t thank you enough for making this a extremely comfortable and pleasant experience, with such a sensitive event at this time in my life. No matter the outcome… thank you.
In sincerest and highest regardsJonathan C
I just wanted to say thanks so much for all your help with my mortgage! You did a wonderful job making it a stress free experience. I will be referring you to anyone I know who wants to get a mortgage!!!Andy K
Hi Bob & Ken,
I wanted to thank you both so much for helping me make my dream of being a home owner come true. With having previous experience with other mortgage brokers and banks I can say with confidence your “can do” attitude makes the world of difference. Even when we initially started to process and the lending wasn’t quite possible your follow up and positive feedback brought me to this perfect home. I cannot speak highly enough about my experience with your organization and will be pushing for anyone I know looking for a mortgage to go your way. Bob I think you really scored with having Ken on your team he was so professional and a real delight to work with.
Thanks again from the bottom of my heart!Meagan
Many thanks to you and Jackie for helping us out for our mortgage hunt. Adam and I will definitely pass your name on to anyone looking into buying.Chloé and Adam
Jackie, thanks for all YOUR help. You and Bob have been nothing short of spectacular, and we recognize the great lengths you guys went to get us here.
From the bottom of our hearts, thank you.Alan and Anya
I have been a realtor for 11 years and have used Bob and Ken numerous times. It is always the easiest, smoothest, and fastest process. Colleen and Jackie are very positive and helpful, and everyone involved is always kept in the loop so there’s no question where we are in the process! I highly recommend using them for your mortgage needs, you’ll learn more in an hour sitting down with these guys than you ever knew about mortgages!!Cheryl V
Bob, Jackie, Ken and Colleen. What can we say. You have helped us out AGAIN… realizing our dreams and making something as complicated as our situations, a seamless transition. We appreciate all that you have done in the past and look forward to the future.
Bob, from one car nut to another, thank you is not enough!Dave, Judy, Cass and Clayton
I have been using Bob and his group for all my mortgage needs for the last 15 years and would not hesitate in recommending them to others. They are knowledgeable, professional and more importantly very friendly and patient. They were able to help me out recently with a bit of a complicated file and I know without Jackie’s help and assistance it would have been an incredibly stressful if not impossible file. Thanks again to Canadian Mortgage Professionals and all their great staff.Rob W
As always the service was just fantastic… I will for sure refer you to as many people as I can think of that are interested in buying a home.Oscar M
Thanks for the note. All is well with the house and we absolutely love it! We just got back from our trip to Europe too, so we’ve been busy. I have actually passed on your card to a couple of friends, so hopefully they will contact you in the next couple of months. Thanks again for everything!Kelly
Thank you so much. It was really great to work with you. Everyone I have dealt with has been absolutely wonderful and helpful to me during this process. I will most definitely refer you to anyone.Amie P
We just wanted to thank you for all your efforts and your good advice! Regardless of how things will turn out at the end, Ivo and I can’t tell you how much we appreciate the efforts, honesty and good advice we got from you!The Tutevs
We just want you to know how delighted we are with our new home. We want to thank you all for working so hard to make it possible to do the “short term” financing that we needed. It was a pleasure working with everyone as you were all so upbeat and attentive to our needs. A VERY positive experience and we THANK YOU ALL!Linda and Grant
Thank you for all your help. I cannot think of any reason why someone would not use your services. Ken made the whole process easy and the end result was much better than we had expected. I will definitely recommend you anyone in know needing financing assistance. Thanks again.Eric & TC
We really enjoyed our experience with Ken, he was thorough and very patient which as first time home buyers was very appreciated. I highly recommend the entire team at Canadian Mortgage Professionals.Alexis W
The entire team at Canadian Mortgage Professionals are exceptional! We have recently renewed our mortgage with Bob and team who once again were able to provide the knowledge and expertise to ensure we got the best deal and had the best information to base our decision. This is our 2nd mortgage with this team, having dealt with the chartered banks for all previous mortgages. We can say without a doubt we would never work with the banks directly again, when it comes to mortgages this team is the BEST!! Professional, Experts, Honesty, Integrity, Authentic, are all words that describe Bob and the team, truly we are thankful for all they have done and look forward to a continued long term relationship. THANK YOU !Jon & Koula