Seasons greetings to all who visit here! Next week I will be in Houston all week and off work. One of my sons is having some pretty major back surgery and I will be with him for much of the week.

Its been a strange sort of year with markets rising through the first half of the year and then reversing over the second half. Economic problems have mounted and credit is tight. I do hope that you are all still safely employed and that the New Year will offer us all better times....