The Issues & Insights team will be publishing less frequently this week, so we can spend more time with friends and family over the Christmas holiday. If news warrants a comment, we will be sure to provide one. In the meantime, may all of you have a Merry Christmas!
Merry Christmas!

A very Merry Christmas to each of you. May the new year bring blessings, happiness, and continued success.
Thank you, Tom, from everyone here!