I hope that you and your families are having a wonderful and restful holiday. As the new year approaches, Pat and I wish you and your families a healthy, happy and prosperous New Year in 2015. We all have much for which to be thankful. May we all continue to have the opportunity to lead our clients through the most difficult times of their lives according to the principles that we embrace in the Academy.
Happy holiday and may all of you have the best in the coming year. Look forward to seeing everyone in Panama, if not sooner.