Thanks for being such a great mortgage loan officer, and for making the
entire project progress without a hitch!

My background presented you with some unique challenges, and not once
did you make me feel like anything but the most important client on your
calendar.

I won't work with anyone except Cobalt so long as they have people like
you on board, and I will refer Cobalt to only my best friends and
acquaintances -- the ones I'm sure will make only the best credit risks,
and add to Cobalt's reputation and earnings.

I wish you success in all of your future endeavors.

Regards,
John