<p>Merry Christmas to everyone! I hope you all enjoy a day full of merriment with your family and/or friends. For me, the joy is in the giving and I can't wait to watch others open their gifts. I want to thank all of you here for being a great support and wealth of information and advice these past months.</p>
<p>Here's to a new year and for those of us with kids going off to college....a brand new experience.</p>