Hello all, I understand that there's been a request for notes on the various topics discussed at our November meeting. And, believe me when I say that as soon as we have some free time to disseminate my recording, you will have them. What I might do is break the meeting up into two sections so you'll have the first half sooner than the second. I apologize for the delay, but this holiday season has us totally embroiled in one thing or another. Starting next year, you will have the notes in a more timely manner, I promise. Maria