Hello Qclipers! We have been rush­ing to try and get one last issue out before the end of the year and as you can imag­ine it has not been easy given the “hol­i­day crunch”. Clients want to get many set­tled before the Christ­mas / New Years week and many of us at Quan­tum­Method take our vaca­tion time dur­ing that week as well. So, nee­dles to say it has been a chal­lenge. But, we did it!! I con­fess that I had a another topic in mind with more depth, but there is sim­ply no time for meet to write it, so I will save it for January.