I work with the office in Detroit and they have always taken care of me and I only send 10K every six months. I like them because when I travel anywhere in the U.S and needed some material they could get it to me right away. All I have to do is call one # talk to the same guy, no matter where I was and it would get to me. I guess you have to find the right sales guy and have a good working relationship with him. I didn't know about the closings, I will have to ask about that.