Hi there everyone, we want to start off 2022 by expressing our gratitude and thanks to each and every one of you, our clients. We are here because of the trust you all have placed in us. Friendships we have built over the years mean the world to us. So thank you to each and every one of you. These past couple of years have been especially hard on a lot of families, but we will pull through it together. Remember, everything comes to an end, and so will this pandemic. You all stay safe and healthy, and we will talk soon.