Here's another reason these guys are so great. Yes they sent me a birthday card, but also they called recently to tell us everything is going fine and to remind us that we had some scheduled changes we wanted to make in the fall, and they were watching things to make sure we would be ready for that. They don't just take your money and stick it someplace. They actually trying to keep track of things and keep you updated. Not only by mail, but via phone calls as well. That's a pretty good organization right there. read more