John Madison & Donna Fuller were wonderful to work with. After getting off to a rocky start due to miscommunication before working with them, they were very solid about keeping after the banks... and me! The reason for not giving 5 stars: the difficulty in converting credit into cash. Also, using multiple credit cards creates a maze of different bonuses, 0% APR promotional rules, & fees. I use a spreadsheet to manage it all; that helps.
-- Bob S