Well, here we are. At the end of a year that everyone wants to forget, I know everyone is ready for the new year and all the change that putting 2020 behind us means. With the coming of a vaccine and a new president, we have definitely turned a corner, but I hope to use this traditionally giving season to put 2021 in a clearer perspective. I know that much of this may come off as a downer. But if you got through 2020, I know you can take it. More importantly, it is vital