I just wanted to share with you a success story we have with our benefits and our RRSP. In 2012 we switched benefit providers from Sunlife to Manulife. Our agent, Tom Orton with Vancea Financial Group was able to lower our overall costs by over $1,000 per month and provided us with more coverage. At our first renewal there was no increase and our second renewal there was a minor decrease. His work with our RRSPs has been outstanding. He was able to leverage our RRSP contributions so that the contributions from 2012 to today are equal to the total amount accumulated from 2006 to 2012.