Things have been very complicated this year to say the least. One thing that is not complicated and is still really clear to me is my deep appreciation for our employees, and clients. Thank you for your kindness, loyalty and patience as we navigate these unusual seasons. I'm wishing you many warm wishes & blessings of joy and happiness. However you end up spending your holidays, I hope you find a few minutes to reflect on how resilient you have been and be proud of the way you've navigated these waters.