I hope Santa was good to you this year.
It's been a tough few months. I don't think any of us are worth what we were when the year started. The new year will bring a new set of worries.
I don't know who established the concept first, but some believe this year's financial issues place more of an emphasis on what money can't buy-- family, friendship, spirit, love...
This might be one of the worst Christmases ever for a lot of people. For others, it might be one of the best.