Hi Des, Lior and Allan,

Wow!!!  that certainly makes Christmas much more exciting and affordable.

Thank you for all your assistance in this matter, both Bob and myself left school when we were 15 years old, and there is no way that we would have been able to deal with the complexities, that you have dealt with for us, dealing with [insurer name withheld].

Thank you so  much,

Kindest Regards,