This has been an interesting and demanding decade. From national and natural disasters to financial failures and home foreclosures, this period of our history has affected us all in someway or another. Not that the first part of the 21st century was unkind to all of us, but for some of us, our lives will be forever changed. On a personal note, I am mourning to loss of my beautiful grandmother who passed away on Dec. 30th. My goal this year is to make her proud of me. I will work hard to do all I can do to provide you with information that will help you or someone you love. May we all work harder to help our fellow man, and may the coming decade be filled with compassion and hope and new beginnings for us all.