In this case, in 2013 the consumers gave instructions to their investment advisor to redeem their investment in an exempt market fund which was going through a restructuring. They received confirmation from their investment advisor that the process was started. Three years later, the couple learned from the fund company that their paperwork was never submitted. As a result the sale process commenced in 2016, not 2013, and that pushed the estimated redemption date to 2023. Neither OBSI nor the consumer could quantify the loss, if any, attributable to the delayed sale.