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Happy New Year and Welcome to 2021. To say that 2020 was interesting and challenging does not begin to capture what individuals, families, small business, and even large business felt throughout the year. I am sure we all know that advancing the calendar to a new year does not magically make everything better, but it does spark hope that things will improve.  What most of us experienced last year has given a lot of us a new appreciation for what we have, and we have held a little tighter to those we love.  We are very thankful for our clients and friends, and we wish you the very best as we start another year.