As we head into the Christmas weekend, we at DDIFO want to wish all of our subscribers – and especially our valuable members – a very Merry Christmas. It seems especially important in this time of ongoing public health issues, economic challenges, social upheaval and political polarization, that we all take a moment to reflect and be thankful for the many blessings that have been bestowed upon us as Americans and that we remember the “reason for the season”!  Merry Christmas!