So 2016 is coming to an end. We are in the middle of open enrollment for health care ending on January 31,2017. Christmas is less then a week away and we hope most of you have finished Christmas shopping. As we start a 2017 please look over your insurance policies and make sure they are up to date, adequately covered and in a secure file. We hope 2016 was good to you and 2017 will even be better.