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Kudos to USAA for always being there, always being empathetic yet professional, courteous, articulate and timely in response & assistance.  I started over 20 years ago via my ex father-in-law, now deceased Air Force.  I continued to maintain my wonderful relationship with USAA and plan to do so forever.  Like so many others, you've been there through my good and bad times consistently.  Now getting happily out of small debt, we joined Home Circle so we can get our last/retirement little mortgage through USAA.  Thank you so much and never change!