Julian and Cindy were personal friends of my parents, and they are mine as well; while being a sister and brother in Christ. I have been very satisfied with the quality and heart of the services provided by them. Today, I have a slight problem...My "allowance" this month has not been transferred into my checking account for this month; it has aforehand been scheduled to transfer on the eighth of the month. My bank, Capital, has recently changed our debit cards to VISA, from MasterCard before. I am wondering if this change has something to do with the direct deposit not going through. I will call Mr. Stephenson on Monday and I am sure there is a simple explanation. I needed those funds yesterday, though. I can manage the delay just fine, I just wanted to share my thoughts with the company. Thank you all so much for taking care of my folks through the years, and I look forward to many years with you myself. Smiles.