I would like to take the time to personally thank you Charlie for what I can only refer to as a “simply exceptional” service.  It was absolutely invaluable to me to have your assistance working through all of the questions and concerns I had in an effort to narrow down the best direction forward, in my case a consumer proposal.  Each and every question I had and was answered thoroughly and I really appreciated that.  Working with the 4 Pillars system was a very straight forward process, and dare I say almost “enjoyable”. Certainly was as enjoyable as it could have been.  I would highly recommend your service to all I know.  Thanks again for everything!