I do apologize for your experience with our company.

My apologies.

That allows me to cash out refinance up to 75% LTV (using newly appraised value) as long as it doesn't go over the initial amount spent on the purchase (including renovation budget) shown on the closing documents no seasoning required.My apologies if I completely misinterpreted what you have said. 

My apologies. 

My apologies, Diane G. , for appearing to not get your joke.

Assistance animals perform many disability-related functions, including but not limited to, guiding individuals who are blind or have low vision, alerting individuals who are deaf or hard of hearing to sounds, providing protection or rescue assistance, pulling a wheelchair, fetching items, alerting persons to impending seizures, or providing emotional support to persons with disabilities who have a disability-related need for such support.

The center 2 pages of  my book shows letters of apology from IRS and a reduction of over 500 K they said I owed for 1979 and 1980.

I have not read all the responses, so apologies if this is a repeat ... in my mind this is a false dilemma.

I apologize for my responses being so cryptic. 

I apologize.