Dear Craig, Sue and I would like to thank you for your diligent and wise counsel in managing and growing our local and international portfolios over the past 10 years.  lt is also most comforting to know, at your insistence, that every 3 months we have a comprehensive meeting with you, to review and make adjustments where necessary. We have shown exponential growth in all portfolios for which are exceedingly grateful. Many thanks from us both.