This is a very unprofessional business. Their Carbonear office is never opened, and their answering service regarding that is very vague. Their 866 # will direct you to an office that knows nothing about your file and tells you to call back to the Carbonear office...really?? I could not believe that she would direct me back to an office that she just told me wasn't open for a month! I then called their other office and expressed my concerns and she stated that they are short staffed!