Dear family and friends, We hope this Christmas greeting finds you all well and happy and prepared to deal with the challenges of the coming year. Bibbi and Walter celebrated their 40th wedding anniversary last weekend and the family pictures are from our Thanksgiving celebration. As you can see, some of us are missing from the pictures. . but most important, everyone is healthy, happy and thriving. We wish you all the best for 2020 and look forward to the next time we meet. Lots of love from Bibbi and Walter