Dear clients, colleagues and partners. This year has been complicated for each of us, we hope that your families and you are healthy and safe during these hard times. Notwithstanding the pandemic, we tend to find ourselves reflecting on the positive things we had past year and those who have helped our business. At this special time, our thoughts turn gratefully to those, who supported us throughout the year. May the holiday spirit be with you and your family, we wish you a very Happy Holiday season and a prosperous and productive New Year.