Before selecting Judy and Brian to list our home, we interviewed four agents. We made the right choice. Team Szamos provided the expertise, experience, and enthusiasm to bring everything together for a successful transaction. The sale of the home was due to divorce, and the situation was still touchy. Judy worked with everyone to make the process as smooth and harmonious as possible. We thank Judy and Brian for their excellent service, guidance, and friendship.
Alan and Cory
We only have high accolades for both Judy and Brian. From the very first time we met them, we were impressed with the way they handled themselves. The communication from them during the entire process was outstanding. I would definitely recommend them as realtors who can be trusted and who go above and beyond to sell your property.
Dixie and Lorin Ricker
Whether through fate or divine intervention, sometimes your path leads you to exactly the right people at the right time. That's what happened for us when we needed to find a new home in southern California, within commute distance of Lorin's new job in Irvine.
The wonderful RE-team of Judy Szamos and Brian Caroselli has been absolutely superb for us. We presented them with a rather difficult list of requirements, even demands: horse property, lot and house size, location (of course), rural community, financing conditions -- and even the need to find the house, make the offer, and then drive-it-to-closing within about 3 weeks!
Brian and Judy accepted our challenge with grace and aplomb, and immediately went to work locating prospectives. We set a Saturday for a first-tour, and!... We immediately settled on house #3! The seller was motivated for a quick closing too, so by the following Monday, our RE-team had tendered our offer, helped us respond to the counter, got us all to quick and fair acceptance, and then helped us negotiate through the thicket of home-seller/buyer paperwork. Our financial guy, Matt Humphrey was also a superhero throughout this process, so it really was a great team effort. They kept us fully informed, on-task, and made the whole thing work, exceeding our expectations in the process!
Upshot: We bought a house in roughly 14 days flat, complete with a household move from Colorado! Your mileage may vary, don't expect to always do this, as several things "fell into place" for both the sellers and us. Some of it was luck, but having the right team at our side was essential to pulling this off at all. A responsive, experienced, patient, and good-humored RE-team on your side is the key ingredient -- Brian and Judy performed flawlessly!
We love our new home; the horses arrived "last night", cats and dogs are settled in, and we're unpacking slowly. Furthermore, with this kind of customer service and client care, you end up making new friends for life; Judy and Brian were essential to making this work at all. We recommend them at the highest level of professionalism, service, care and results, and we'll heartily commend them to anyone who asks us for a real estate agent/team reference.
Linda and Jim
My husband Jim and I have been working with Judy as our Real Estate Agent for the past two or more years in an effort to find just the right home, in the location we really like and at a price we could afford. We would spot something we were interested in and call Judy to go take a look. A couple of times we were really serious about making an offer, but it didn’t feel right. Finally this past summer, we found our home. Judy had the right Lender contact to enable us to purchase the new home before we sold the current home. A scary move for us, but it all came together beautifully. Brian was an excellent sounding board when the stress became too much for me at times, remaining calm and optimistic. Judy’s negotiating skills enabled us to have our offer accepted and held it together right through to all contingencies being removed. She even negotiated a generous vendor credit that we needed for repairs to the home. Part way through this process Judy had a prior commitment that took her out of town for 6 weeks. Judy stayed in touch with us, and her partner Brian, almost every day, offering advice where needed and assisting Brian with the negotiations for the sale of our home. Their marketing of our home was truly professional. Brian held open houses on the weekends until we had secured an offer. Brian was able to complete all the negotiations with our buyer’s agent and remained calm and professional throughout. I highly recommend Judy and Brian as both a Buyer’s and Seller’s agent. They put the needs of the client first at all times and always responded to our questions or requests in a timely manner.
Federica and Simon
Judy guided us through our purchase with warmth and wisdom. Whilst never losing sight of our interests Judy’s input was always timely and intelligent. Never intrusive but always available, Judy provided us with the confidence and reassurance we needed to make the best decisions. We would have no hesitation working with her again. Thank you, Judy!
Alan and Suzanne Arkin
We have worked with Judy Szamos on the buying and selling of two houses. We have found her to be completely ethical, knowledgeable, charming, unhurried, and with meticulous attention to detail. She communicates quickly, and never, once, did we ever feel her pushing us in order to make a sale. She seems to be that rare human being who is dedicated to the idea of service. We can’t imagine working with anyone else.
Ellyn and David
This is the fourth time we have worked with Judy and, as always, we are so grateful for her professional guidance and compassionate support through our housing transition. As with our previous experiences, we appreciated her perseverance, which was so necessary in this particular case. Her ability to grasp the complexities of this transaction which included multiple contingencies is what made it ultimately successful for all. Her calm and even-minded demeanor promoted harmony amongst the multiple sellers and buyers of our 4-family domino transaction, and she facilitated clear and open communication amongst an impressive collection of realtors, lenders, escrow agents, inspectors, and everything in between. In a short amount of time, she helped us realize a fair price for our home, and she went over and above to seal the deal when things became shaky. In retrospect, it is mind-boggling to think of how we were navigated through an extremely complex and tenuous situation. But at the end of it all, all 4 families have gotten what they wanted and are happily moving forward to their new homes.
Mark and Betiana Whitley
Judy Szamos and Brian Caroselli were fantastic to deal with in my recent property sale in Encinitas Highlands. Judy is attentive to details and a very effective communicator. Brian as well is extremely responsive to requests and details, and as a team I would highly recommend them to anyone interested in marketing their property.
Sharon and Mike Schaeffer
We have used other Realtors and we will say by far Judy is the very best. Her dedication to her clients is amazing, sincere and trusting. Judy is soft spoken with grace and kindness, but don't let that fool you. She gets down to business and in a timely manner. Patience of a saint, very positive, best attitude, a brilliant Realtor, knows her job well. We highly recommend her. Thanks so much for selling our house, Judy!
Paula and Rob
My husband and I loved working with Judy. We are in a sellers' market which was very challenging for us as buyers. She negotiated the hills and valleys of our enthusiasm, changed the scope and location of properties we were interested in several times, wrote multiple offers, and carefully customized our searches. She gave us good insight into the situations surrounding specific properties. Judy listened to us, didn't push us, kept on top of the escrow company and loan provider, pursued answers for questions we had, and was always warm, patient, gracious and considerate. We purchased a lovely home, and closing was smooth.
Ellyn and David
Working with Judy was a truly satisfying experience from start to finish. It was clear that the process wasn’t just about buying and selling houses for her – it was about being our advocate and knowledgeable companion along an often emotionally challenging journey. We felt 100% confident that she had our best interest at heart, and knew that she was putting 200% intention and energy into helping us reach our goals. From spot-on, room-by-room guidance on how to stage our house, to knowing how to draw out details of the best features of our home, to going the extra mile to photograph our home with the latest technology, her thorough approach to every facet of the process was beyond impressive. We were amazed by her communication skills and her responsiveness – she was available to answer questions and jump into action immediately, always. She was a sharp problem solver, always ready to try a different angle when obstacles arose, always determined to find a win-win solution for all involved which is what it takes to make a deal. Her calm, peaceful demeanor was a welcome anchor during challenges; even prospective buyers commented on how great she was to speak with on the phone. We would absolutely work with her again for future needs, and wholeheartedly recommend her for anyone looking for a positive, successful experience buying or selling their home.
Giang and Petrea Huyhn
Judy Szamos was absolutely amazing to work with. She helped us buy our second home in a competitive market and prime location with such grace. She made the buying experience so easy for a young working couple like us. We went to see the house, loved it, she called, and worked out a deal right there on the spot. From there, mostly everything was made easy through signing documents electronically on our phones, email, or phone communication.
We’d highly recommend Judy to anyone looking for a home or even selling one! Oh yeah, she also helped us sell our condo within the same time frame!!! She did her homework, listed at a competitive price and got the place sold in less than 24 hours, making our transition very smooth from one place to another.
It is evident that Judy is an expert in the real estate market. She is kind, gentle, and patient. We loved how thorough she was in her explanations and willingness to educate us every step of the way. We are so grateful that she was recommended to us and hope you take our recommendation and use Judy next time you buy or sell. We will!
I worked with Judy for buying my first home. Like any new person, had very little idea of what I was looking for. Judy was very helpful in narrowing down the list of houses I should look at. She also provided her best expertise for every question I had. She has an eye for matching the house for a particular person's need.
I am very glad that you are looking at this review. From my experience, I definitely recommend Judy to anyone who is looking for a house according to their requirements. It is very helpful if you can clearly write those and communicate to an experienced agent like Judy.
Thank you very much Judy for helping me inside my first house.
Judy was such a delight to have as a Realtor. Her intuition on encouraging me to see a place I thought was not where I wanted to be, led me to find God's gift for me. Everything magically fell into place. Felt very informed, supported and cared for by this very sweet and on top of it soul.
Wendy and Dwayne
We are so grateful to have found Judy as our Realtor during our relocation to Encinitas/Carlsbad area. Judy is incredibly patient, professional, and organized, and goes way beyond the call of duty in taking care of her clients. She took the time to show us many properties so we could truly understand the market and make an educated decision once we found the right property. She was also etremely knowledgeable and patiently helped us through the paperwork process. She always had time to explain things to us thoroughly. Her calm, knowledgeable manner made what might otherwise have been a stressful and overwhelming experience, very smooth and led us to a decision to buy a home we felt very comfortable with. You couldn't ask for a better Realtor than Judy!
Judy has done an excellent job at every phase of our real estate purchase process. She provided us with constant updates on what was available on the market offering her own perspective to balance our preferences. Once we selected our desired property, she was on top of every aspect of the transaction process from writing up an offer in a timely manner to completing all of our needed documentation using the Docusign digital signature system. We love being able to complete these documents using our cell phones or home computers, depending on our location. Judy is a true professional and a real joy to work with.
Shelley DeAngelis, Happy Client
Residential real estate expert… Check,
I wasn’t sure if I wanted to buy a home, or continuing renting. Judy was the perfect (and patient) sounding board while I made this important decision. She guided me every step of the way, and I’m now the proud owner of a beautiful condo.
If you’re looking for a realtor, check out Judy Szamos.
Karen and Barry
Judy came highly recommended from good friends who had a very positive experience working with her. We were very pleased with the efficient and friendly manner in which Judy helped us find the perfect home. Judy took time to understand exactly what we were seeking and searched for properties that met our needs. Thanks to Judy's efficiency we were able to purchase our property in a very competitive situation. We highly recommend Judy to anyone seeking a positive home purchasing experience.
Ravi, Shital and Aditi Parikh
My family and I have been looking for the right home in Encinitas and surrounding area for a couple of years. During this process, we were lucky to have Judy as our Realtor. She helped us find not only the perfect house, but was an understanding and incredibly patient guide as we went through the closing process. During the often stressful and complicated process associated with real estate acquisition, it's important to have an Realtor who takes the time to truly understand your objectives. Not only did Judy take the time to do this with us, but her enthusiasm in helping us came through in her voice with every single phone call we had with her (and we had quite a few!!!). We were very fortunate to have Judy represent us as our Realtor, and would look forward to working with her again.
Nalini and Travis Biggs
We chose to work with Judy Szamos because of her stellar recommendations and they were all absolutely right: she's incredibly professional and a joy to work with. She is very knowledgeable in Real Estate and impeccably professional in terms of communication and reliability. We never once had to doubt whether she knew what she was doing nor whether or not she would come through for us. On top of all this she is enormously moral. We were able to move through the process of buying our first home in Mira Mesa with the peace of mind that she was truly working for our happiness in the long run. If you work with Judy, you will never have to worry that your decisions might be guided by ulterior motives, which makes the entire buying process much more smooth. She is not only a fantastic Realtor; she is a phenomenal person and you will gain both a property and a friend!
Darlene and Brendan
Judy carefully guided us through the entire process of selecting the right type of property, procuring appropriate financing and completing the transaction on time. There were many challenges along the way, but Judy was always on top of every step. We are extremely happy with our purchase and look forward to completing our renovations. Judy is top notch, all the way.
Nancy in Carlsbad
Judy, working with you to find a new home was everything I could ask for. From the very beginning in answering all my many questions, to setting up the online searches, then to going to see all the properties and ultimately helping me through all the paper work once I found my new home! I appreciate that you always responded to all my (many!) questions and requests, and for always being available to view properties when something I wanted to see came up. Thank you for your vauable insight regarding the locations and properties - it really helped me to narrow it down and make the right decisions. Thank you for all your support, I really appreciate it!
IZ in Encinitas
Judy was my excellent Realtor selling 720 4th St in Encinitas. I received 3 full price offers in the first 3 days of listing. More importantly, this was a second home and I live out of state. it was impossible for me to do the innumerable things necessary to make my place ready for sale. After the Buyer's inspection report, Judy went many times to the condo to meet with painter, HVAC, electrician, plumber, to have all the inpsection work done. In addition, she supervised the work and made sure all was done in a professional manner. Eevn though this took a lot of her time, she willingly helped with everything. I had to dispose of household items and Judy was again there to help arrange details.
Whenever I had a questions in regards to the sale, the closing, the inspections or anything else, Judy took my call immediately, or if she was not available, promptly returned the call. Judy is not just a great Realtor, she became a great friend.
Pete and Christine
Judy was ever so patient in working with us to find the perfect home. She offered a wealth of information and helped us become familiar with the multiple areas we were exploring. Our search was over an extended period and she was always prompt and responsive to our questions and thoughts. When we found a prospective property she was encouraging and skillfully guided us through the negotiations for the contract. During escrow she continued working hard to complete the process. And after the closing she provided referrals to good people as we began fixing up our home. She was always helpful without pushing or trying to direct our activities. She is a "10" on our rating system!
Kate and Bill
It was a great pleasure to work with Judy Szamos. Through an acquaintance we were introduced to Judy. After giving her our preferred location and price range, she e-mailed daily listing of homes that fit our needs.
Judy listened to us and respected our views. She never tried to influence us in any way unless we asked for her opinion, and then she was clear, concise and honest. Once we made a selection, she acted "instantly" and we closed within three weeks.
Judy took care of us totally, she recommended a home inspector, negotiated price adjustments based on the inspection, and answered all our calls within 10 minutes. Her knowledge, experience, and personal style took all the worry out of the process, making it painless. We cannot thank her enough.
I want to let you know how much I appreciated all your hard work and persistence in helping me sell my old home and purchase my new home. Your knowledge and experience in the real estate business is incredible. Without your quick action and knowledge I am not sure I would have gotten my dream home. Yes, I am sure I would have found a home but you were so quick that I had a good chance to get this home. As busy as you are I felt like I was your only client. You are a pleasure to be around too.
You are able to handle all the emotional ups and downs that come along selling or purchasing homes. I love that you care so much for your client's needs and not about your needs or how much $$$ you make. What a great quality you have. I thank you for that.
I would highly recommend you to anyone that I know that is looking for a great real estate agent. You were meant to be in this business. Thank you and thank you for being you. I will miss your company.
Susan and Joe
Judy has worked with us on our commercial project for almost 7 years. She always had our best interest in mind and always told us the truth about our comps and when to sell. She is a great resource for all things Real Estate and is one of those do it quickly and do it right type of person. We would recommend Judy for all your Real Estate needs, both residential and commercial.
Back in 2010, I was looking for a place to live in the area. Judy Szamos was recommended to me, and I was very lucky to find her. After carefully ascertaining my housing needs and desires, Judy quickly helped me find the ideal home. Then in 2014, I was again on the market. Naturally, I called on Judy once again for her expertise. Despite a fast changing market, Judy adroitly navigated the rough real estate waters, and I couldn't be more pleased with the results she achieved. My new home is perfect for me. If you are thinking about buying or selling a home, don't wait and don't hesitate. I recommend you give Judy Szamos a call right away. She's the best!
J & J in Encinitas
Because we were house hunting during a very difficult real estate market when multiple offers flooded in, as soon as a nice house came on the market, we knew our efforts had to be one that the Sellers considered the best.
Judy made contact with the Sellers Realtor and told us that it was not so much the price or the terms, but what would work would be a letter. So we crafted a letter at Judy's suggestion and told the Seller why we wanted to buy the property. Not only did the Seller entertain our offer but they cried, realizing that we appreciated all the work they had put into the house.
We have Judy to thank for making the transaction such as smooth and easy one. She is a wonderful Realtor and if we ever buy another house, she'll be the one we want on our team.
D & I in Encinitas
My dear friends were looking for a Realtor to sell their property. I did not hesitate to recommend Judy Szamos knowing she would be professional, trustworthy, and basically get the job done. She brought her usual high standards and positive approach to the project and sold the property to the full satisfaction of my friends. Thank you Judy.
MAP and PPP in New Jersey
Judy came highly recommended to us for the task of selling our property in California, while we remained in our home in New Jersey. We could not be more satisfied with the job Judy did. She took full charge of all the detailed activities for listing, preparing the website presentation, preparing the house and the property for showing and hosting open houses. Her attentiveness, advice and updates, were very helpful throughout. She is a real professional, who made the experience much easier than we anticipated. We obviously would recommend Judy to anyone engaged in a real estate transaction.
BF & DF in Carslbad
We are so grateful for the opportunity to work with Judy Szamos in acquiring a real estate dream set up for my wife, mother and myself. We had a rare but fleeting opportunity to obtain an attached condo property next to us for my mother that was being flipped by speculators. Judy's integrity, professionalism and understanding about the market, and acumen with business negotiations became apparent. These skills combined with her insight into human nature, strategy and intuition, enabled us to position ourselves in the front of the line for this sought after property. She has enabled us to create an ideal set up of my mother living right next to us. Without Judy it would not have happened. We are forever grateful to Judy for not only her professional skill, but also more importantly. her friendship. Look no further, you can't do better than Judy Szamos!
Judy did a tremendous job in helping me find a new home and I heartily recommend her to anyone needing a Realtor. She was always ready to show me any property I requested and we ended up covering a lot of territory, from Encinitas to Oceanside, out to San Marcos and everything in between. I really appreciated her patience and professionalism.
Once I narrowed my search down to a few complexes in the Encinitas area, the waiting started. Unfortunately the inventory was low and whenever a desirable unit came up, the bidding wars would start! Judy was quick to get an initial offer in and due to her proactive salesmanship my offer was accepted even though I was not the highest and not "al cash".
Judy also assisted in finding an excellent Mortgage Broker. When a major bank that had given me a pre-approval, backed out during escrow, I was disheartnened. I thought I would not be able to get a loan and would be limited to an "all cash" sale. But Judy found a Broker who approved my loan and saved the day! I really owe my piece of the sun to her extra effort and faith in me. I can't thank her enough.
I have completed over 25 real estate transactions in the last 20 years and have worked with many real estate agents during the course of those transactions. Also I am a local businessman who knows well at least 25 real estate agents and in the course of my business over time I have worked with over a hundred agents. I consider myself to be sophisticated at real estate transactions.
Recently I needed a realtor to help me complete a purchase transaction and I needed someone who is discrete, efficient, and professional. Discrete because I could not risk any of the other agents in town becoming upset because I did not use them; efficient because this purchase took place for all cash in a hot market with a 15 day close; and professional because with my experience I can’t tolerate anything less.
Judy more than met my tough standards. I am sure if you use her you will be more than satisfied with her service and when the time comes, as I will, you will use her again.
Autumn & Scott Balemer
" As a first time homebuyer, my wife and I fully expected that the process of finding and purchasing a home would be an extremely stressful endeavor. And it started out that way when we were referred by a friend to Judy. We were put at ease during our first conversation with her because she truly listened to everything we wanted and expected. Whenever we had any questions about the purchase process (or even the mortgage process), her years of experience shined through because not only were our questions answered but she would explain what excatly we could expect to happen next. Judy epitomizes what I would expect from a successful Real Estate Agent - dedication to servicing her clients. Judy wasn't just our agent, she was our partner in finding the perfect house for us."
Thanks again Judy. You were great to work with. Autumn and I hope this is the last house we buy, but if it's not, you will be the first person we call.
Thomas Parker and Jane Sweeney
Judy has been the best realtor I have ever worked with. She understands the market and is knowledgeable about preparing the property for sale. She responded well to our feelings and kept us fully informed at all times. She was assertive in a calm and directed way to get things done. She handled the paper work and negotiations seamlessly. She was fun to work with and always on top of the situation. This was the easiest and nicest experience of buying or selling I've ever.
My husband & I were looking for months to find a new Encinitas home without success. When we met Judy, she quickly accessed exactly what we were looking for. She immediately canvassed the target location and found our home within weeks. Judy's professionalism and thoroughness not only allowed us to realize our dream, she did so in a stress free and very pleasant way.
Dr. Taira Koybaeva
I can't say enough words of gratitude for my very fortunate collaboration with Judy Szamos. I have been working with Judy for more than two years. It took that long to find the right property for me. Finding and going through the process of buying real estate in Sourthern California was not easy given all the changes that took place in recent years. However, not only Judy never pushed me to buy something as soon as possible, I could clearly see that she would ALWAYS put my interests as a buyer above her interests of earning a living. In the industry where professionalism often comes in short supply Judy's performance was above reproach. She was patient, accurate, methodical and very timely in walking me through the process. Judy did whatever she needed to do to make the process with all the moving parts as painless, simple, and customer friendly as possible regardless of whether any given task was her responsibility. It will not be an exaggeration to say that I was able to finally buy the property I wanted through her patience, readiness to serve, and representing my interests 100%. I was rather cynical when she first talked to me and said that the core of her business ethics was service. I heard such things so many times! As we started working together I was pleasantly surprised: service IS the core of her business practice. Add her multilingual and multicultural aptitude (she speaks three languages and is culturally diverse) and you get a consummate global professional serving in a personalized local manner. I will not only use her services in the future, she will be the only real estate professional I will ever recommend.
Prudential California Realty, La Jolla
I just recently closed a deal with Judy in Encinitas and it was one of the quickest and smoothest transactions. Judy was quick to respond to my emails, I could always get a hold of her, and she was always very professional. All reports and inspections were completed days ahead of schedule and she kept me updated on where her buyers were almost daily. Her clients were pre-qualified and closed on time and without any problems. It was great working with Judy and I would love to do another deal with her soon.
Arden House Realty, Inc
I just wanted to say thank you for all the hard work in getting Jerez sold in a timely manner and with such ease. Your professionalism is obvious and you were a delight to work with throughout the transaction. I greatly appreciated you getting everything done within the allotted time frames and for keeping me updated throughout the transaction. It was a pleasure working with you and I look forward to doing it again in the future.
My experience with Judy was great from start to finish. I am a first-time home buyer and needed a lot of guidance. She was very knowledgable and extremely attentive to my needs. She really listened to me and understood exactly what I wanted. Judy was there for me above and beyond what I expected any agent to do for their client. Her experience and extensive knowledge of the industry really put me at ease. She walked me through the entire process, always keeping the lines of communication open between all parties involved- selling agent, loan broker, escrow company. I felt as though I had her full attention any time I needed it, making me feel like I was her one and only client. I am so grateful to Judy, as she has helped make my dream of owning a home a reality.
Suzanne and Alan Arkin
Judy Szamos is an excellent Realtor. She listened attentively to our needs and worked meticulously with them. Her knowledge and experience was enormous and we never felt pushed into anything we weren't interested in. In the end, we found with Judy, not only our home but a dear and trusted friend.
Pat and Marv Steinman
Judy Szamos is our first choice in Realtor for purchasing or selling a home in San Diego. We are experienced home buyers who have purchased and sold homes in 7 different states including a large number in the San Diego area. Judy recently assisted us in selling our home and purchasing another in San Diego North County. Judy is by far the best most well rounded agent with whom we have worked. She is incredibly responsive to questions and is always willing to investigate the housing market and provide detailed information to make house buying and selling organized and logical. She is patient, supportive and extremely accommodating and she stays focused on her number one goal which is customer satisfaction.
In the process of selling our home, Judy attacked the sluggish market with flyers, ads, caravans, and conducted frequent open houses. She stayed on top of what was happening in the market and provided us with excellent advise and guidance. We sold our house as a result of an open house. When we were looking to purchase a home, Judy was willing to go where ever we asked no matter what time or what day. Sell or buy a home with Judy, you'll be glad you did!
Well, here I sit in my wonderful new home - finally. What a journey! Who would have guessed it would have taken us almost a year searching and negotiating, and then searching some more before we finally closed the deal!
I don't know what I would have done without you through the process. You are an incredible professional and i really appreciated that since Bob and I have both more than full time jobs, it was so important to work with someone who always did what she said she was going to do! Always right on time for our appointments with all arrangements made so we could easily get into each property we wanted to see. Also, doing business with you online was so convenient and I really appreciated the ease of the online focused searches you sent us daily.
Secondly, there is no substitute for experience and knowledge. You know San Diego County so well making it easy for us to study several areas before narrowing our search. Also your real estate contract knowledge helped us avoid issues once we got into the contract stage. I will always be appreciative of the time you took to explain each line item in the contract until we were comfortable with what we were signing.
Lastly, you have a great big ole heart and the patience of a saint! So whether you were dealing with me being a bit emotional or Bob being all business, you handled it all with grace and a true caring heart that is hard to find in any business these days! Thanks for all your help, and I am so happy to now count you among my friends!