This came in Monday July 13th:
I am glad to hear your doing fine and enjoying the vacation. I hope you will receive the answers to your prayers. I will only add this; pray without ceasing. As a lender, please keep us in mind as part of your portfolio of lenders that can assist with some of your projects.
I agree with your fee structure for clients, those that have viable projects and are serious about getting their deals funded, usually do not have a problem. It is the dreamers and schemers, as you so kindly put it, that have the issues, even the broker jokers that are clueless. Be well.