Dear Mr. Pennington: Just wanted to say "thank you" to you and Mr. Ryan for stopping by to visit with myself and Lori. We appreciate you keeping in touch to make sure things are going well with the CoPilot loan software. With all new software, there are adjustments that have to be made every now and then, due to the fact that loan processing can get complicated, to say the least. American Bank Systems has staff available to help when questions arise. Problems usually get solved via webex. Depending on the problem we are having, it may be necessary for changes to be made within the loan software itself. This may take a release to fix, but there is usually a "work around" available to get the documents generated. We find that CoPilot is a user friendly loan documentation system and we would recommend the software to others.