Having had a bad experience of using a different broker in the past I was a bit reluctant to try again. However, my faith has been restored. If you are lucky enough to be assigned Zara then you will not be disappointed. I know you read reviews and think people exaggerate but I can honestly say she is are fantastic. For starters she actually calls you when she says she is going to - honestly don't take that as an industry standard! I would not hesitate in using top 10 again and would recommend in a heart beat.