Merry Christmas and time for some final thoughts for 2022. It has been a challenging year in many ways. Prices are up, supply has been down on many things, and there is a lot of divisive, mean-spirited stuff out there these days. But as we near Christmas, I want to share with you a special greeting.

So my year-end useful idea to share is love. May you and your loved ones be blessed with peace and love during this most special time of the year.