Hi Jim, As the year comes to an end, I send New Year and Christmas greetings to each and all of you. This is a celebrating season and the Lord has been so good to me throughout the year and I trust that He has been good to all of you as well. My hope is that we might all join in thanking God for His wonderful blessings upon us, both as individuals and as a family. so that Christmas is not only a time of celebrating, but also the time of reflection in our lives. 
Merry Christmas, and in the New Year 2010 that is just ahead, may we all be blessed with Good Health, Happiness & Prosperity,
Phil
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