When you first enter the inevitability of having to take out an I V A, you are already in a pretty dark and scary place. But the thought of having to negotiate all the problems and hurdles, just to get an arrangement in place, and actually get your life up and running again, even now fills me with dread. Fortunately I didn't have to, I was directed to that first meeting with Aperture's representative, who was so positive and clear and concise as to the course of action that was open to me, that a great feeling of relief shone like a beacon of light and, hope through that very dark place. And even after some years into the arrangement when my circumstances changed, and I needed a variation, Aperture's team was there smoothly putting into place the new arrangement and seeing me safely over the finishing line. I can't thank Team Aperture enough.