Just Dreams LLC

*** *** purchased with Just Dreams on August 7, 2011.? Prior to purchase, she attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.? Once she decided to purchase, she completed documentation in which she
signed her understanding of the one week cancellation policy, and that it may take up to two weeks to receive her personal login to the website.? For that reason she also completed a tutorial of the live website and its use.? She was issued her personal login just ten days later, on August 17, 2011, which was sent to her both by email and by regular mail.? Upon receipt of this complaint, we immediately checked our call logs and confirmed that Ms*** has never contacted the sales office for assistance, nor has she ever submitted a cancellation request.? She has never contacted Reservations, and has not logged into her account since The last payment made on her financed account was in October of 2013, after which she ceased payments and avoided contact from the billing company.? After months of unanswered and unreturned phone calls by the billing company, her account was entered into Collections in April of 2014.? The Collections office is simply attempting to collect on a valid debt.? That notwithstanding, we wish to resolve this issue quickly and amicably.? To that end, we have already reached out to Ms*** and are awaiting her reply.? We look forward to a swift resolution, and thank you in advance for your time and attention to this matter

Complaint: ***
I am rejecting this response because: the information I provided was true as to just dreams change of name that is the information I received I do accept the offer they have made to resolve this matter to forgive the debt and to remove any bad information from the credit bureau concerning this the paper work has been forward to just dreams to make this process possible thank you so very much for your help with this matter?
Sincerely,
*** ***

Complaint: 11998775
I am rejecting this response because: I DID contact them. And I still got emails. 
Sincerely,
[redacted] And [redacted]

[redacted] and [redacted] purchased with Just Dreams on June 9, 2011.  Prior to purchase, they attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed...

documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on June 19, 2011, which was sent to them both by email and by regular mail.  Upon receipt of this complaint, we immediately confirmed that Mr. [redacted] and Ms. [redacted] have never submitted a cancellation request, in person or otherwise.  They have never contacted the sales office for assistance, nor have they ever contacted Reservations. On September 28, 2011 Ms. [redacted] contacted the billing company to find out why their account was past due.  She requested that a form be faxed to her so they could change their method of auto-debit, and agreed to make a payment online in the meantime.  They continued to make payments until August of 2013, at which time they discontinued making the payments on their financed account.  These are not the actions of someone who cancelled their account within the allotted cancellation period.  Their account was subsequently entered into Collections, and the Collections office has spoken with them numerous times since 2013.  That notwithstanding, we wish to resolve this issue quickly and amicably.  To that end, we have already reached out to Mr. [redacted] and Ms. [redacted] and are awaiting their reply.  We look forward to a swift resolution, and thank you in advance for your time and attention to this matter.

[redacted] & [redacted] purchased with Just Dreams on June 4, 2013.  Prior to purchase, they attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed...

documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on June 14, 2013, which was sent to them both by email and by regular mail.  Upon receipt of this complaint, we immediately checked our call logs and confirmed that Mr. and Mrs. [redacted] have never contacted the sales office for assistance, nor have they ever submitted a cancellation request.  They have only contacted Reservations one time, for a quote, on September 27, 2013.  Furthermore, they have only logged into their account five times, the most recent being October 27, 2014. In December of 2014, Mr. and Mrs. [redacted] discontinued making the payments on their financed account.  After months of unanswered and unreturned phone calls by the billing company, their account was entered into Collections.  The Collections office is simply attempting to collect on a valid debt.  That notwithstanding, we wish to resolve this issue quickly and amicably.  To that end, we have already reached out to Mr. and Mrs. [redacted] and are awaiting their reply.  We look forward to a swift resolution, and thank you in advance for your time and attention to this matter.

We received two emails from [redacted] & [redacted] on May 26, 2016 requesting the closure of their account.  Their account was closed per their request, and they will no longer be billed for the Annual Fee.  Both of their emails were responded to with this information that very same...

day, on May 26, 2016, prior to our receipt of this complaint.  Although we take exception to their filing this complaint on the same day they contacted our office, this issue has clearly been resolved.  We thank you in advance for your time and attention to this matter.

Shakita H[redacted] and Ralph L[redacted] Jr purchased with Just Dreams on February 19, 2011.  Prior to purchase, they attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed...

documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on March 1, 2011, which was sent to them both by email and by regular mail.  Upon receipt of this complaint, we immediately checked their file and confirmed that Ms. H[redacted] and Mr. L[redacted] have never submitted a cancellation request.  They did phone the local office on March 16, 2011 and stated they were having a financial hardship.  They were asked to submit a hardship letter for review, however no such letter was ever received. In March of 2012, Ms. H[redacted] and Mr. L[redacted] disputed their account with the billing company, claiming they had “paid the original creditor”.  A simple review of their account showed that they had paid only the Processing Fee at the time of purchase, and had financed the balance.  After months of unanswered and unreturned phone calls by the billing company, their account was entered into Collections in November of 2012.  The Collections office has simply been attempting to collect on a valid debt.  Ms. H[redacted] and Mr. L[redacted] both spoke with the Collections office in 2013, and claimed that they “cancelled verbally on the 14th day”.  Now they are claiming that they cancelled the day after their purchase by filling out a form, which is clearly not the case.  That notwithstanding, we wish to resolve this issue quickly and amicably.  To that end, we have already reached out to Ms. H[redacted] and Mr. L[redacted] and are awaiting their reply.  We look forward to a swift resolution, and thank you in advance for your time and attention to this matter.

[redacted] and [redacted] purchased with Just Dreams on December 9, 2010.  Prior to purchase, they attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed...

documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on December 19, 2010, which was sent to them both by email and by regular mail.  According to our records, an agent completed an online tutorial with Ms. [redacted] on December 19th after their account was activated, and Ms. [redacted] was pleased with the program.
In January of 2011, Ms. [redacted] contacted us about a financial hardship they were experiencing.  Their account was downgraded to assist them with their financial issues, and both Ms. [redacted] and Mr. [redacted] signed their agreement of the changes.  Unfortunately, Ms. [redacted] and Mr. [redacted] never made the payments on their financed account.  After months of unanswered and unreturned phone calls by the billing company, their account was entered into Collections.  In addition, Ms. [redacted] and Mr. [redacted] failed to pay their Annual Renewal Fee in December of 2011.  The Annual Renewal Fee is an optional fee, and as such, after a 90 day grace period their account was deactivated from usage. 
Upon receipt of this complaint, we immediately checked our call logs and found no calls from Ms. [redacted] or Mr. [redacted] since early in 2011.  They have not called Reservations since 2010, and they have not logged into the website in more than three years. 
We take great exception to this complaint and believe that Mr. [redacted] is simply perpetuating false information in an effort to remove a valid debt.  That notwithstanding we wish to resolve this issue quickly and amicably.  To that end, we have already reached out to Mr. [redacted] and are awaiting his reply.  We look forward to a swift resolution, and thank you in advance for your time and attention to this matter.

In August of 2106 we requested the discontinuation of Annual Renewal Fee billing for this consumer per their request.  We have had no contact from this consumer since that time.  Had this consumer contacted us about these recent emails, we would have gladly looked into this for them and...

resolved the issue promptly. Upon receipt of this complaint, we discovered that although their Annual Renewal Fee billing account was closed, their email address was not removed from the promotional emails that are sent on occasion.  We have since removed their email address from the promotional emails, and will also place a DNC on their account for good measure. This issue was a simple matter to resolve, and certainly did not warrant the involvement of the Revdex.com.  However, we appreciate your assistance and consider this matter resolved.  Mahalo.

[redacted] and [redacted] purchased with Just Dreams on August
25, 2012.  Prior to purchase, they
attended our preview and saw a...

visual presentation that outlines the benefits
of our program using actual examples from our website.  Once they decided to purchase, they completed
documentation in which they signed their understanding of the one week
cancellation policy, and that it may take up to two weeks to receive their
personal login to the website.  For that
reason they also completed a tutorial of the live website and its use.  They were issued their personal login just
ten days later, on September 4, 2012, which was sent to them both by email and
by regular mail. 
Upon receipt of this complaint, we immediately checked our
call logs and found no calls from Mr. [redacted] or Ms. [redacted].  They did contact Reservations in July of 2013
and completed a booking to [redacted]. 
However, they have not contacted Reservations again since.   Furthermore, they have only logged into
their account one time since 2013. 
That notwithstanding, we have been in contact with Mr. [redacted]
and Ms. [redacted], and are working toward a resolution.  We thank you in advance for your time and
attention to this matter.

[redacted] and [redacted] purchased with Just Dreams on October
9, 2012.  Prior to purchase, they
attended our preview and saw a visual presentation that outlines the benefits
of our program using actual examples from our website.  Once they decided to purchase, they...

completed
documentation in which they signed their understanding of the one week
cancellation policy, and that it may take up to two weeks to receive their
personal login to the website.  For that
reason they also completed a tutorial of the live website and its use.  They were issued their personal login just
ten days later, on October 19, 2012, which was sent to them both by email and
by regular mail. 
Upon receipt of this complaint, we immediately checked our
call logs and found no calls from Mr. and Mrs. [redacted].  They have never called Reservations, and they
have not logged into their program in nearly a year.  Their last login took place on February 28,
2015 and prior to that on October 18, 2014. 
Updates are regularly made to the website, and the “globe” that they
mentioned has been replaced with a newer and faster search engine.  However, there is no need to submit a “request
for vacations” as searches are still conducted online using the updated search
engine. 
That notwithstanding, we wish to resolve this issue quickly
and amicably.  To that end, we have
already reached out to Mr. and Mrs. [redacted] and are awaiting their reply.  We look forward to a swift resolution, and
thank you in advance for your time and attention to this matter.

[redacted] and [redacted] purchased with Just Dreams on August
25, 2012.  Prior to purchase, they
attended our preview and saw a visual presentation that outlines the benefits
of our program using actual examples from our website.  Once they decided to purchase, they...

completed
documentation in which they signed their understanding of the one week
cancellation policy, and that it may take up to two weeks to receive their
personal login to the website.  For that
reason they also completed a tutorial of the live website and its use.  They were issued their personal login just
ten days later, on September 4, 2012, which was sent to them both by email and
by regular mail. 
Upon receipt of this complaint, we immediately checked our
call logs and found no calls from Mr. [redacted] or Ms. [redacted].  They did contact Reservations in July of 2013
and completed a booking to [redacted]. 
However, they have not contacted Reservations again since.   Furthermore, they have only logged into
their account one time since 2013. 
That notwithstanding, we have been in contact with Mr. [redacted]
and Ms. [redacted], and are working toward a resolution.  We thank you in advance for your time and
attention to this matter.

Initial Business Response /* (1000, 5, 2014/05/05) */
We have reached out to Mr. [redacted], and this matter has been successfully resolved.
Thank you.

[redacted]) and [redacted] purchased with Just Dreams on April 21, 2012.  Prior to purchase, they attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on May 1, 2012, which was sent to them both by email and by regular mail. 
Ms. [redacted] and Ms. [redacted] never made a single payment on their financed account, and after months of unanswered and unreturned phone calls by the billing company, their account was entered into Collections in November of 2012.  In addition, Ms. [redacted] and Ms. [redacted] failed to pay their Annual Renewal Fee in May of 2013.  The Annual Renewal Fee is an optional fee, and as such, after a 90 day grace period their account was deactivated from usage. 
Upon receipt of this complaint, we immediately checked our call logs and found no calls from Ms. [redacted] or Ms. [redacted].  They have never called Reservations, and they have not logged into the website in the last three years. 
We take great exception to this complaint and believe that Ms. [redacted] is simply perpetuating false information.  Just Dreams has never changed its name, and has no affiliation to the names listed by Ms. [redacted].  That notwithstanding we wish to resolve this issue quickly and amicably.  To that end, we have already reached out to Ms. [redacted] and are awaiting her reply.  We look forward to a swift resolution, and thank you in advance for your time and attention to this matter.

Initial Business Response /* (1000, 5, 2014/01/30) */
[redacted] and [redacted] purchased with Just Dreams on January 22, 2012. Their Purchase Agreement clearly shows the amount of Condo Rewards, Hotel Rewards and Cruise Rewards included in their purchase. These reward dollars are used to...

subsidize the cost of Condos, Hotels or Cruises to achieve the deeply discounted Just Dreams Owner Pricing. In January of 2013, we upgraded our website and simplified the booking process. Reward Dollars are now referred to as "Savings".
On June 28, 2012, Mr. and Mrs. [redacted] phoned the Reservation Hotline requesting a quote for the [redacted] River Cruise. A quote was emailed, however they chose not to book.
On November 12, 2012, Mr. and Mrs. [redacted] phoned the Reservation Hotline looking for a 2 bedroom condo in Branson, Missouri over Christmas week for 4 adults. On November 14, 2014 they chose to book a 2 bedroom unit at Eagle's Nest Resort in Branson from December 21st to December 28th, 2012. Subsequently, they submitted the $500 Resort Condo Vacation Certificate they received at the time of purchase for redemption on this booking, which brought their total out of pocket cost to $75 for a 2 bedroom Condo in Branson over Christmas Week for 4 adults.
On March 27, 2013, Mr. and Mrs. [redacted] phoned the Reservation Hotline for assistance booking a 2 bedroom condo at Saratoga Resort Villas in Kissimmee. The booking was completed with an out of pocket cost of $399 for the week of May 11th to May 18th, 2013, in a 2 bedroom unit at Saratoga Resort Villas.
There have been no other calls placed to the Reservation Hotline. In addition, our local office has had no communication from Mr. or Mrs. [redacted] prior to this complaint. Based on the bookings above, and the redemption of their Certificate, Mr. and Mrs. [redacted] have already realized a significant value with the Just Dreams product. There is clearly no breach of contract. However, the annual fee is an optional fee, and as such may be discontinued at any time. As of January 23, 2014, Mr. and Mrs. [redacted] have been removed from annual billing per their request to the billing office. They will receive no additional communication regarding their Just Dreams account. Please encourage Mr. and Mrs. [redacted] to contact our local office at (808) [redacted] should they require further assistance. Thank you for your time and attention to this matter.
Final Consumer Response /* (4200, 11, 2014/02/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No proposed resolution was provided in the business response to the complaint. Per their phone call to [redacted], we wrote a letter, via email requested a fax number or email to send the letter to and had no response.
We are forced to send a certified letter which delays the response beyond the deadline for the Revdex.com. Therefor, we are attaching the letter here.
We paid $6995 on January 2012 with a $500 credit towards first condo rental, which we used December 2012 for a condo rental in Branson, MO. This condo unit was disappointing in cleanliness which we discussed with the onsite rental office staff and were told that was common for Just Dreams accommodations.
We tried a second booking and booked a condo in Kissimmee, Florida in May 2013 for $399 - there were no condo "rewards" for this booking. Supporting our claim that there is no advantage to the pricing for vacations from Just Dreams, a quick internet search on 2/12/14 revealed there were 5 options for similar accommodations in the same price range ($299-450) on [redacted] - supporting that the same rates are available with an internet search which has no cost to the user.
During 2012 and 2013, we conducted multiple searches on the Just Dreams website to find the promised low cost vacations and use the "rewards" towards those vacations. The website was changed several times and the "rewards" clearly displayed when we joined disappeared. Each time we searched, we came away disappointed as we could find no low cost vacation as presented in the sales presentation. We tried for two years. Including the investigated [redacted] cruise which was offered at the same price available from [redacted] - there was no $3000 cruise award given. At the end of the first year we paid the additional annual fee of $151 - after multiple calls and faxes to prove that the annual fee was not the originally higher charges placed on our credit card.
Our conclusion is that we paid $6995 and a renewal fee of $151 and in return received the $500 credit for a one week condo rental in Branson, MO.
We believe the only benefit we received from our original fees was the $500 certificate for the condo rented in Branson, leaving $6651 out of pocket costs. We also spent an inordinate amount of time trying to find a way to demonstrate that the low cost vacations and rewards promised could be realized - only to be disappointed and frustrated. The product sold did not meet the description given. We can take responsibility for being naïve first time senior citizen visitors to Hawaii and believing the company would honor the promises made. To settle the complaint we are willing to accept less than full reimbursement and accept being senior and naïve as a cost. Just Dreams can keep $1000 which we feel is more than fair ($500 per year for the "license") and reimburse us the remainder ($5651) of the fees paid.
Final Business Response /* (4000, 13, 2014/02/24) */
It is a rare occasion when no matter what we possibly do in the form of communication and/or creating a solution, it becomes apparent that it is impossible to please certain people. In this case, we have had excellent conversations on the phone only to repeatedly see we have a customer that tells us one thing yet continues to completely manipulate actual facts in an effort to achieve their own specific agenda via Revdex.com postings. It is understandably frustrating that they have no interest in dealing directly with us despite numerous efforts on our part to resolve this complaint. Instead, they continue (from their first post) to use the Revdex.com platform to misrepresent FACTS and thereby disparage our Company.
Libel is the written publication of a defamatory remark which was knowingly posted to a third party. By any measure, these libelous remarks are completely unacceptable. The evidence clearly supports that this has moved beyond the customer's initial (possible) confusion into an arena of calculated and known manipulation of facts posted to a third party (the Revdex.com website) to achieve their own agenda. We have repeated good faith efforts to resolve this complaint directly in two conversations with Mr. [redacted] and he agreed to a direct course of action. Our concise contracts and website tutorial process, customer service, and certainly the two most recent conversations would have clarified any possible confusion any "naive senior citizen" (as he put it) may have. We literally have tens of thousands of "Senior Citizens" that utilize and enjoy the services of the vacation fulfillment specialists at the National call center. Yet, Mr. [redacted] did not want to deal with us directly and has knowingly made a conscious choice to do otherwise by posting the misrepresentations once again at his own peril.
Out of respect for everyone's time and in an effort to wrap this up, this is our last Revdex.com post on the subject matter. We have sent a brief over to AHFI legal and are prepared to take necessary actions. Mr. and Mrs. [redacted] have exactly 5 business days to contact us directly at 808-853-4945 with an attitude that shows an actual good faith effort to communicate and thereby resolve this, or, we shall proceed by sending the rest of the files, evidence, and call logs to AHFI. We kindly ask of Mr. and Mrs. [redacted] that they also take personal responsibility and reiterate our hope that they govern themselves accordingly.

[redacted] purchased with Just Dreams on February 25, 2011.  Prior to purchase, she attended our preview and saw a visual presentation that outlines the benefits of our program using actual examples from our website.  Once she decided to purchase, she completed documentation in which she signed her understanding of the one week cancellation policy, and that it may take up to two weeks to receive her personal login to the website.  For that reason she also completed a tutorial of the live website and its use.  She was issued her personal login just ten days later, on March 7, 2011, which was sent to her both by email and by regular mail. 
Upon receipt of this complaint, we immediately checked our call logs and found no calls from [redacted].  She has called Reservations only one time, in January of 2012, with questions about booking a cruise.  A review of her account shows that she has logged into the website only once in 2013, only once in 2014, and on only two dates in 2015.
On April 16, 2015, we received a letter from [redacted] requesting that we remove her from Annual Fee billing.  Her request was completed and a confirmation letter mailed on April 20, 2015.  A confirmation email was also sent on April 22, 2015.  Based on our immediate handling of her request, we consider this matter resolved.  Thank you in advance for your assistance in this matter.

From: [redacted] Sent: Friday, May 08, 2015 6:41 AMTo: Revdex.com ComplaintsSubject: Complaint ID [redacted]Attn:  [redacted] First of all Mahalo for your quick response in helping me with this issue. I received the following email...

message from [redacted] at Just Dreams that they had received my email message, which I sent yesterday when I remembered that I had an email address for them. I believe that they responded positively due to both of our messages.  Your email message stated that I needed to write a letter if this complain was resolved.  Is this email enough or should I send a letter via [redacted]?Mahalo and Blessings,[redacted]  -----Original Message-----From: [redacted]To: [redacted]Sent: Thu, May 7, 2015 3:30 pmSubject: RE: Info neededAloha [redacted],We are in receipt of your request below to cancel your account#[redacted] with Just Dreams.  We have notified the Renewal Department todiscontinue the billing of your Annual Fee, and you will no longer haveaccess to your Just Dreams services.  Please keep in mind that it may take afew days for thesystem to update accordingly, so please disregard any invoicesyou may receive in the meantime.  Should you wish to re-activate your accountin the future, please contact the Renewal Department at [redacted]. Mahalo,---Best Regards,[redacted]Just DreamsFROM:[redacted]SENT: Thursday, May 07, 2015 11:11 AMTO:[redacted]SUBJECT: Info neededHi [redacted],I have been trying tocall your company to get info on how to terminatemy membership with JustDreams. I am on a fixed income now and cannotafford the annual membership feemuch less, a vacation. I've looked atthe contract and there is no info on howto terminate this contract. Noone returns my calls and I have left messagessince January of this yearfor you and any department that can give me thisinfo.Mahalo for your help.[redacted]

[redacted] purchased with Just Dreams on February 25, 2011.  Prior to purchase, she attended our preview and saw a visual...

presentation that outlines the benefits of our program using actual examples from our website.  Once she decided to purchase, she completed documentation in which she signed her understanding of the one week cancellation policy, and that it may take up to two weeks to receive her personal login to the website.  For that reason she also completed a tutorial of the live website and its use.  She was issued her personal login just ten days later, on March 7, 2011, which was sent to her both by email and by regular mail. 
Upon receipt of this complaint, we immediately checked our call logs and found no calls from [redacted].  She has called Reservations only one time, in January of 2012, with questions about booking a cruise.  A review of her account shows that she has logged into the website only once in 2013, only once in 2014, and on only two dates in 2015.
On April 16, 2015, we received a letter from [redacted] requesting that we remove her from Annual Fee billing.  Her request was completed and a confirmation letter mailed on April 20, 2015.  A confirmation email was also sent on April 22, 2015.  Based on our immediate handling of her request, we consider this matter resolved.  Thank you in advance for your assistance in this matter.

We received two emails from [redacted] & [redacted] on May 26, 2016 requesting the closure of their account.  Their account was closed per their request, and they will no longer be billed for the Annual Fee.  Both of...

their emails were responded to with this information that very same day, on May 26, 2016, prior to our receipt of this complaint.  Although we take exception to their filing this complaint on the same day they contacted our office, this issue has clearly been resolved.  We thank you in advance for your time and attention to this matter.

[redacted] and [redacted] purchased with Just Dreams on December 3, 2010.  Prior to purchase, they attended our preview and saw...

a visual presentation that outlines the benefits of our program using actual examples from our website.  Once they decided to purchase, they completed documentation in which they signed their understanding of the one week cancellation policy, and that it may take up to two weeks to receive their personal login to the website.  For that reason they also completed a tutorial of the live website and its use.  They were issued their personal login just ten days later, on December 13, 2010, which was sent to them both by email and by regular mail. 
In August of 2011, Mr. and Mrs. [redacted] booked a trip to Disney World and redeemed the Resort Condo Vacation Certificate they received at the time of purchase.  However, they have not phoned Reservations again since July of 2012.  In the last two years, Mr. and Mrs. [redacted] have only logged into their account twice – once in March of 2013, and once in April of 2014.  They are clearly no longer utilizing the service.
Upon receipt of this complaint, we immediately reached out to Mr. [redacted] at the phone number he provided.  We spoke with Mr. [redacted] directly, and are currently resolving this issue to mutual satisfaction.  Thank you for your assistance in this matter, and have a great Thanksgiving holiday.