Embrace is great so far. We have had it for about 2 years and they have really impressed us. I have contacted them multiple times on the phone and was surprised to talk to a real person each time; usually with no hold time. The employees seem to care and they listen to your concerns and issues. They are are very helpful in solving them with you. They are quick with their payments and there are really no surprises other than great service. I have already recommended them to multiple friends.