One of the nicest people I have ever talked to. Gallagher took the time to call me on a sunday. Pretty sure he has a very busy schedule, But he took time out of his sunday to let me fill it with my problems. Mr. Gallagher was nice, understanding, reassuring, and very funny, down to earth and made me feel as though when I need him he will be there, that we don't have to go it alone . No one wants to feel alone when in a scary situation, who do you call when your scared,,,? I know who Im going to call.. Very professional, and kind, he knows his stuff, very smart guy someone you want on your side for sure. Thank You mr. Gallagher