@Henry Clark Amazing stuff my man!

Hey man, welcome to the area!

Be a man, not a child.

A man of god would do things with integrity, honestly and humility in the interest of all.

Alex is the man, couldn't achieve what we have without a partnership like ours! 

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

Pretty area, with lovely river (Manning Valley) & not too far from the coast. 

Just needs a hype man who is good at making videos.  

Sometimes I do handy man work myself especially for my clients. 

Ah man, the old 'suicide neutral'.....