Joe was very patient, very honest and informative, regarding my situation and concerns. At the beginning of the call I was at a very low point and felt hopeless and helpless (borderline depressed). Midway through the call, those feelings of burden and gloom began to lift as he assured me of his commitment to help me in this difficult situation. I am feeling hopeful for the first time in many months. Joe, Thank you so very much for taking the time with me today, I am so grateful…