Hello everyone! I am new to this site but not new to mortgage industry and have done some forms for various mortgage and real estate firms. Not series anything but I have worked for closers who are. Both B2B and B2C with banking and insurance firms and yes Fannie May and Freddie Mac back in the day. I helped do the forms for ESE - Environmental Science & Engineering for Phase I, Phase II, and Phase III storm water, ground water, USTs and ASTs, chemical hygiene plans, Hazmat and Superfund forms. Then I came up with the ideal for the pollution exchange for Bank of America Private Placements. I also did work on allot of projects for Professional Tank Systems, and Gandhi and Associates, Lester B. Knight, CB Commercial Real Estate Investors, Avondale Federal Savings Bank, Cooper & Lybrandt, Bank of Montreal, Harris Bank, Bank of New York, and the folks who manage the Sears Tower, etc.... So I have some experience with the Mortgage Credit Certificate Program for the City of Chicago. And, Robert and Jenny have got my interest and I want to know more about this group and what you are up to doing? looking forward to knowing more about you all. Have a great day.