As Crow Shields Bailey winds down another year, we are increasingly aware of how fortunate we are to live and work in the most wonderful place in the world. My daughter and son-in-law are living in Italy for three years as he repays the Air Force for defraying the cost of becoming a dentist. They have been to over 20 countries since their arrival, and each place has its own beauty and distinctions which make it a travel destination. They are so blessed to be able to travel the world at such a young age. As incredible as many of these places are to see, the greatest country in the world still ranks as the best place to live and work. The United States of America provides us with opportunity to be rewarded for our success and freedom to choose the path to that success. Our team continues to grow and impress me with their creative talents and eagerness to become the trusted advisor for all our clients. We thank our clients for the confidence they place in us. This challenge keeps us motivated to serve you at a higher level. This is the time of year to pause and say thanks. Thank you for being part of our CSB family, and we pray for good health and happiness for you and your family. We wish you a holy and happy Christmas Season and a prosperous New Year!