This week, I needed to find a new underwriter as CNS is longer an option.  I just wanted to say, that I had excellent service with Raman.  She was patient, and very professional answering all my questions and getting back to me in a timely manner. She was warm and friendly, and her help in navigating a fairly complex process was greatly appreciated.  I am happy to be staying with Harbord and look forward to continuing with this company.