Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/29/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ANACS received my order on March 26, 2025, and after few days of waiting I proceed to contact them by email and the order was to be no ready until beginning of June which I found not compliance with their condition in the order form. When, I contact back customer services Mr. ****** is a very professional and rude manner respond that my coins will be send back and not future order will be accepted from me anymore. On, April 29, 2025, I received my coins back as he states in his email. Based on his treatment, behavior and unprofessionalism for the unfinished job required in my order submitted, I will be compensated with the amount $100,000.00 and a apologize letter from the President of the company (ANACS). The coins submitted was not taken in consideration to be proceed as per the order submitted. This constitutes a high insult to me as a beginning fanatic of the numismatics hobby.

  Business Response

  Date: 04/30/2025

  Thank you for contacting us. The estimated completion time for his order is precisely as he was told and as it is described on his signed contract. In conjunction, and again as specified on his contract, turnaround times are estimates and are not guaranteed. Mr. ************ coins were returned to him at no charge and his fees were refunded. ANACS has also decided not to accept future submissions from him. We are sorry things didn't go the way he hoped, but they did proceed as promised. We decline his offer for ANACS to pay him $100,000.00 and consider this matter closed. 

• Initial Complaint

  Date:03/19/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  01/25/24. I spent $233.00 to have 14 coins professionally graded very ANACS. The coins I sent are not the coins I received. *** *. a *** from ANACS handled my coins. I feel sick and wish I'd never sent them out. The estimated value and quality was drastically different. I would not have sent them in that condition. I am a P.A.N. MEMBER and very upset with this company. I was encouraged to send out my beautiful coins only to receive really bad versions of my own. Disgusting. I would like MY CORRECT COINS BACK!!!!

  Business Response

  Date: 03/20/2025

  ANACS neither buys nor sells nor keeps an inventory of coins. The only coins in our possession are the belongings of our customers. The coins that we returned to Mr. ******* are the same ones we received from him. There are no other coins.

• Initial Complaint

  Date:11/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently had three coins graded by Anacs. When they all came back graded. My 1962 ********* dime was switched. It wasn't the one I sent them. I take professional images of all my items before I send them to anyone. The coin was worth $550 it also had full ******** Colorado criminal code for fraud article 5 of title 18 they are in violation.This also includes the federal code 18 U.S Code 1341 Fraud and Swindles.I want the $550 it's worth plus the $80 I sent to get my coins graded. Which is a total of $630. If we have to go to court I already have a coin expert witness. Even though, anyone can clearly see it's two different coins. That Anacs pulled a switch. In court I will expose them asking the Judge to grant a motion to allow me to video record the proceedings. I am sending pictures of what I sent them and what they sent me back. This is my informal resolution. If I don't receive a response by December 3rd I will be coerced to get legal representation to draft a petition.Footnote; If anyone else has a complaint about this same company contact me through email. ********************* For I can file a class action helping you getting your problem resolved as well.

  Business Response

  Date: 12/02/2024

  Our records show that the 1962 ********* Dime that arrived at our office on 11/07/24 is that same one that shipped back to you on 11/20/24.
  

  The submitter did request ANACS ********************* be performed on that coin which was completed and likely superficially changed the appearance of the coin.
  
  Please let me know if need anything else. 

• Initial Complaint

  Date:10/01/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ANACS is a coin grading company, l shipped an order for Modern grading of 20 coins. The coins arrived September 16, 2024 l received a voice mail message to contact the company regarding my order. I returned a call and was asked by a female who answered the phone did l need any additional services for the coin. The answer was no l only needed Modern grading which is $14 per coin my order total on the order form which is required was $280. Sunday, September 29, 2024 l went online my credit card bill, ANACS had charged me $560. I called the toll free number on my card the representative asked if l had spoke with company due to error. He said most companies will credit the $280 back to your card if not call us back we can dispute $280. I submitted an email to ANACS customer service department after the phone call. Monday morning September 30, 2024 l called ANACS ***** answered the phone l explained to him the overcharge. He told me tha the department that handles these calls no one was there he would have someone call me back. I told him l had some errands to run being 69 years old it took me longer than usual l was gone over 4 hours. When l returned home l did not have a message. I called ANACS ******* answered l told her my name and why l was calling she said she check on it. She says the company has credited the $280 to my account. l dont have an account with ********************** I have one with NGC. I signed up with ANACS to receive emails about special offers and coin shows. I told her l would be contacting my bank to dispute the $280 error made by ANACS. I contacted my bank the dispute was completed, documents were requested and submitted. My bank has taken care of the $280 payment and the $280 error, l want my graded coins shipped to my *********, ** address immediately without any malice.

  Business Response

  Date: 10/01/2024

  Our records show this overcharge is currently being review. Based on what I see here, it is likely going to be refunded in some to be determined amount. The "mistake" was originated by the customer as shown in her attachment #****. The image clearly shows a request for Modern grading service at $14/coin and also variety/error verification for $14/coin. We were simply following her instructions for normal services that we offer to everyone. 

  Customer Answer

  Date: 10/15/2024

  Fed Ex just delivered the coins, please close the case as unresolved due to the unprofessionalism of ANACS the coins were returned ungraded in used plastic holders. Ten (10) holders had sticky residue on them which if transferred to the coins could reduce their value, a total of twenty (20) coins were submitted in my order. I have attached a photo of the ten with residue on the holders.

   

  Sincerely,

   

  ****** Y. *******

  Business Response

  Date: 10/17/2024

  ANACS too considers the matter closed. For the record, Image #**** shows the totals for services calculated by the customer were charged for requested services. Half was refunded by ANACS, and the other half was reversed by the customer - netting a zero balance. The coins were returned without any services rendered. 

  Customer Answer

  Date: 10/17/2024

   
  Complaint: 22362917
  
  I am rejecting this response because:
  
  My coins were returned in used plastic holders, 10 of those holders had sticky residue on them. The sticky residue will reduce the value of these coins. Other agencies were submitted a copy of my initial complaint and each have also been notified of the unprofessional service l received with the return of my coins.
  service provi
  Sincerely,
  
  ****** *******

  Customer Answer

  Date: 10/18/2024

  l called ANACS today l spoke with *******, l ask her if they returned coins in used dirty and sticky coin holders she placed me on hold for a few minutes. When she returned she said the Manger said yes if you are no longer a customer. 

  Business Response

  Date: 10/21/2024

  Rejected orders may have a sticky residue on them from removing internal numbering code stickers. This will not affect the coin or its value. Simply remove the coins from the flips and place them in your own storage container. 

  Customer Answer

  Date: 10/31/2024

  Please reopen the case, common courtesy shouldve been taken in consideration. No member of this companys staff would have wanted their coins returned in this manner. Their company grades coins weekly surely they had the inventory available sending in the dirty holders was spiteful. I received an email from *** on Tuesday, I have attached screenshots of it. If they think this is a way professionally appeasing me they are wrong. The package does not require a signature so l know it will be left on my porch. I have left those coins in the manner that l received them.

  
  Sincerely,

   

  ****** Y. *******

  Customer Answer

  Date: 10/31/2024

  ******, *** just delivered this package with new clear plastic coin holders.

  Customer Answer

  Date: 10/31/2024

  ****** l have attached a screenshot from a reputable jeweler and coin dealer in ***************, ***** on how to handle and care for coins. A very dear friend of mine recommended l handle my coins with cotton gloves. The ANACS staff knew that they were causing damage to my coins by putting them in those used dirty sticky holders.

   

  Sincerely,

   

  ****** Y. *******

• Initial Complaint

  Date:09/19/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Aug12 2024 ANACS recieved my summition form to grade 4 coins for errors and Varitie attributes. I was charged and paid $157 total for modern and economy . At the time Anacs had a special for 10 coins at $140.00. After recieving my coin back on Sept 18 2024 I notice the ******************************************** the date was missing and I recieved and reg./ normal dated 1960 ******* coin? I contacted ANACS and they informed me they couldnt help me, they only return coin that they recieved. This is un true and it appears that Iam not the first ****** to complain about this. I simply want my orginal coin returned, I dont care if they over charged me for services, only interested in getting my coin back. A horizontal zero is easily noticeable I didnt summit a reg date coin at that cost of service.I monitored the insured tracking and there were no delays in the shipping and delivering of my coins to ANACS the orginal coin wasnt swapped during shipping to ANACS

  Business Response

  Date: 09/27/2024

  Our reply to ******** ********* is correct. The coin that arrived at our office is the same coin that was shipped back to her. ANACS either buys or sells coins. Also, we keep no inventory of coins. In other words, there are no coins here to be switched. All coins belong to our customers and are returned to them upon completion of the service. *********** submission was accounted for, processed, tracked through our system and returned without incident.

  Customer Answer

  Date: 09/27/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:08/27/2024

  Type:Delivery Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  An order of 75 coins to be graded by ANACS was entered into their system on May 20, 2022. Usually coin grading takes 2-4 months, during the pandemic times were up to 5-6 months. This order was completed and the coins shipped back to me on February 15, 2024. ANACS routinely failed to respond to emails inquiring about the order, gave false dates of completion, then pushed the completion date further out. Total cost for the order was $1,386.00.After finally receiving the graded coins back I found a total of 14 errors in the grading. There may be more but that is all I've found so far. I sent back one batch of 5 coins for correction (March 25-May 21, 2024) and a second batch of 9 coins, which was entered into their system on June 20 of this year. I have been in email communication with ****************************, Vice President of Marketing and Client Relations, and he has given dates by which the order will be completed, failed to meet those dates, not responded to emails, given new return dates -- the usual from ANACS. I have been waiting since May of 2022 to get the product I paid for and want the coins back, properly graded.

• Initial Complaint

  Date:06/24/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March of 2023 I delivered 12 coins to the *** for conservation and grading at the Phoenix coin show. My only request was that the obverse of my 1891 ****** silver dollar not be touched.The obverse of this coin was darkley but attractively toned. PCGS had previously graded this coin as MS64 even though there was a large black area on the reverse of this coin, My hope was that after conservation, the coin might receive a MS65 grade; but in any event it would be easier to sell and for a higher price. Imagine my anger when the coins were finally returned to me almost two months later that the obverse of my 1891 dollar was cleaned and looked much worse than it did previously. It now resides in a ANACS MS 62 holder. I believe the conservator misread my instructions and thought the obverse of the following coin, an 1892-0 $10 gold piece was not to be touched. This coin had, and still has, a small but noticeable spot on its obverse. I emailed my concerns to the *** but received no response. After waiting almost a month, I called them.The gentleman who answered my call was immature and showed no interest in dealing with my claim. Instead he doubted tthat Pcgs would have graded my coin a MS64 even though I have proof that it did. After much back and forth between us, he agreed to reimburse me $49 in fees that I paid them to have this coin conserved. This gentlemen is also a liar as I have not received any compensation at all from the *** for their gross nrgligence.The PCGS Price Guide currently lists the value of a 1891 ****** dollar in MS64 as $675 and $2,650 in MS65. In MS63 it lists for $275.

  Business Response

  Date: 07/08/2024

  In March of 2023, the ******************************* (***) held a convention in *******, **. A coin grading company called ANACS was present at the event.
  
  ANACS was, at one time, a division of our organization, but in the early 1990s, it became a separate, for-profit entity and changed ownership. The history of the two organizations and how they diverged is on ANACSs website. ****************************************************************

  The *** does not accept coins to grade or conserve them; we are an educational non-profit organization. ANACS Coin Grading is the party that should respond to the complaint. Their contact info is P.O. ****************************************** ******************************************.
  
  We hope this information will help bring a resolution to the matter for ****************.

  Business Response

  Date: 07/11/2024

  **************** specifically requested the reverse of the coin be conserved which it was. The Obverse was never touch. More importantly, ANACS offers a ****************** This allows the customer to submit a certified coin IN A SLAB to ONLY BE REMOVED and re-certified under specific conditions set by the owner. This removes all risk of receiving a lower grade on the coin. In this case the owner took the risk of removing the coin from the **** slab. ANACS assumes no responsibility in this case as is STANDARD for the INDUSTRY. ANACS evaluates the grade of a coin based on what we have in front of us. No consideration from some other evaluation by some other company is part of this equation when the coin is submitted raw (uncertified). **************** took a ****** and lost. This happens every day at every 3rd party certification service. It's a very normal part of this business that can be avoided simply by using the ****************** That is why this service exists. There is no additional charge for this service. 

• Initial Complaint

  Date:05/23/2024

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  February 12,2024. I paid tonANACS $543 for grading of 17 Silver Half ******* Dollar coins. This order was supposed to be ready in March 4th. March 27 I sent them an email asking for update since the order was 3 wakes late. They responded me saying that delay was happened bc my order was sent to a consultant out of house and that will take another week. April 10, 2 weeks later , I sent another email for update, was told that order was nearly done, but took another 2 weeks to receive it on April 24,2024. As soon as I open the package I noticed that at least the two more valuable error coins with a possible value by the error as per record of prior sales would be over $300K. It took 1 week until a received an email from ******************************************** very simple: if you would like to discuss please call me. I sent him an email with a HR pictures showing that the coins they sent me was not the one I sent them but most important also sent him pictures on HR where clearly the coins I received was altered in a way to look similar and with some details that mines that could almost look the same but obviously it wasn't . I explained him that I got in touch with the secret service and that they asked to get a police report first and that after that and with the proof I have they will intervene to investigate and that my intention bc they sent coins out of house anything could happened that probably there was the mistake and that my only intention was to get my original coins back. His answer in less than 24 hrs was: I have looked into the order and found no reason to believe we didnt return the same coins, if you to talk about this game a call otherwise consider this matter closed. I asked him: what order did you look if order is with me? why you got delay on order? why was sent out of house and how you can showed that wasn't changed? why you failed to provided or explain me about security protocol and why are you forcing me to only discuss over the phone. Silent

  Business Response

  Date: 05/28/2024

  Thank you for contacting me.

  In response to ***************************** complaint, I'll restate, the coins returned to the customer are the same as the ones we received.

  A few items I'd like to address include the timeline, the value, and the **************.

  Timeline: the coins were received on 2/12/24 with an estimated return ship date of 3/25/24 as per the Economy turnaround of 4-6 weeks, but with an additional request of "Variety Research" that can add an additional 15 business days (3 weeks). This pushes the estimate to 4/15/24. These are all estimates. Some orders move quicker, others slower. It varies by volume. This is all clearly stated on the contract between ANACS and *************************. The coins shipped back to ************************* on 4/17/24.

  The Value:  All 17 coins listed on the contract have an "Owner's Value" of $300 as listed by *************************. For coins with an owner's value over $10,000 ANACS has a protocol that requires submitters to follow an approval process BEFORE submitting. Again, this is clearly stated on the contract. ************************* neither followed these protocols nor listed any coins in that value range. Had this been done properly, ************************* would have known ahead of time that the coins are worth in the $6-$10 range, or a total of under $200 for all 17. Nothing near the $300 listed on the contract. Certainly not $300,000. These are common coins containing some silver which accounts for most of their value. 

  **************: ANACS has not been contacted by the ************** or any law enforcement on this matter.

  Desired Settlement:  ANACS declines ***************************** request for settlement as all paid services were provided as described on the contract and all the coins that ANACS received were returned on 4/17/24.

  Customer Answer

  Date: 05/30/2024

  My proofs vs your word.

  I provided you with the only proof that anyone sending coins may have before submitting pictures and videos. I couldnt upload video because the sise but just with the pictures I showed you there is clearly not only coins changed but at least 2 of them has been altered to make them look similar to mines.

  i told you one part is lying and you have been unable to proof anything Im working hard gathering more information because I want all law enforcement agencies involved so they can decide who is lying

  Are you able to show any real proof that proof me wrong?

  you said : i looked into your order and have no reason to believe we changed the coins. 
  are you able to proof what you looked into and show as well other than your word?

  in regards secret service, yes is a fact I followed their protocol and that is filing a police repot and from there the investigator will provide it to *************** I did, but them more stronger proofs and evidence came out and that create the need to make an update on the original police report completed yesterday and thats the reason you have not be contacted yet.

  what can you proof ? Pictures showed a different coin with alterations similars to my coins, you sent order outside house, hiw you can proof or guaranteed that the coins wasnt changed?
  

  I always asked you for my original coins not for any other  value.

  You failed to be professional and courteous when you responded me in regards this situation about 10 days after you received my first email and when you did you tried to forced me to talk this situation over the phone only or otherwise you wiil close the case. 
  can you responde why you refuse not only to provided me with any proof but to force me to speak over the phone only? That you finally did, because I asked you some very important questions over email and you never responded again.

  can you please answer my questions?
  

  as i said , between me and you some one is lying dont metter what you try you failed to be honest and clear and failed to proof that Im wrong and because im the ine affected rest assured that I will get to the point to make the part lying pay with the justice

• Initial Complaint

  Date:11/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date: 9/21/2023 Money Paid: ***** for grading and return postage.What they promised: To grade a coin, and attribute noted varities.Nature of Dispute:The original coin status email I received was unclear, so I emailed ANACS for clarification. ******* told me my coin was the requested variety, but it felt like the coin arrived almost too fast, and without the proper label.I emailed ANACS again, this time ***** said it wasn't the requested variety, but she called me by the wrong name.My spidey sense was going off; it's very suspicious for a detail-intensive company like this to make multiple errors, especially after estimating the coin will take a month, and then only taking a week.This feels like a scam, where ANACS pretended to do the work, but didn't actually do any of it a la *************************. (She faked test results that sent a lot of innocent people to jail, was caught, and thousands of her cases were then thrown out.)I asked for a supervisor/manager to please step in to help control my rising anxiety. *****************************, Vice President in Finance and Operations, gave me a long-winded speech, but nothing in actuality other than a very wordy version of, "So what if they screwed up?!"I responded, gave them plenty of time, but never heard back from them. I have lost all interest in coin errors and varieties as a result of this.How they tried to fix: They didn't. They simply told me it wasn't what I said it was, then told me in less colorful language to essentially eff off.They never told how they verified the first grader's super-fast opinion, which is at the very heart of this.Frankly, it sounds like they just had somebody check a clipboard, and regurgitate the previous result, instead of giving the coin an honest second-opinion.Coin #: *******

  Business Response

  Date: 11/06/2023

  ************** submitted a **** D Lincoln Cent for certification with a request for it to be attributed as a "Small Over Large Date" variety. This is a request we see frequently,and if confirmed can add significant value to an otherwise nearly face-value coin. The experts at ANACS were able to quickly debunk the request as the coin is the far more common "Large Date" variety.
  ANACS is often in an unfortunate situation where we must inform our customers of bad news. As a third-party evaluator our primary responsibility is to be correct, which is often disappointing to our hopeful submitters. There is no benefit to us in giving such disappointing news. Why would we intentionally try to upset our customers? We only benefit from getting the evaluations correct (good or bad). Which is not in dispute.
  I apologize for us not using his correct name, but the service that he paid for was done accurately and within the promised timeframe. I see no reason to refund his payment. 

  Customer Answer

  Date: 11/06/2023

   
  Complaint: 20823377
  
  I am rejecting this response because the ANACS representative is leaving out a few key details, and flat-out lying concerning others.

  First, I do disagree with their evaluation, as they should know. I looked at this coin a lot under a digital microscope, and to me, it's genuine; especially after their repeated errors, coupled with a timeframe that is too-good-to-be-true. You budget a month, and get it done in a week, people are going to get suspicious about you cutting corners.

  ANACS even has this wonderful little phrase in their disclaimer stating that all their grades are opinions, and to be treated as such when the rubber hits the road. I disagree with their opinion.

  Second, the benefit a company receives from not doing the work, but charging for it, is you get to keep the money, and not do the work. I'm sure ANACS has screwed over many a person, as their rating with the BBB is a solid 1.0 stars as of this writing.

  There is even a story of them ruining a person's coin by trapping moisture in the holder, then telling the customer to pay shipping to fix it.

  Third, the representative completely leaves out *************************** me, and their causing of emotional turmoil upon learning their actual opinion. If the representative is serious, they need to address the whole picture.

  Sincerely,
  
  *******************