It's that time of year. Christmas is soon upon us, the end of the year 2019, New Year's Eve and then......we are into 2020. This is a great time for reflection, gratitude and really counting our blessings, no matter how big or little. Be sure to check in with your friends, family and co-workers and thank them for all they do for you. And most importantly, PLEASE, EVERYONE......have a safe, happy, warm and wonderful holiday season.