yes. the op said his agent was charging too much, so I used what I pay for comparison purposes. I apologize if I tempted someone to save themselves a lot of time and bother and use an agent.
David Dillion plans for the worst and hope for the best. I am due in Sept 2019 and am now putting the 65k in the bank. I will know eventually if it is going to work, but I don't want to find out in six months I should have started now, if you know what I mean.