We all had faith. Most of us spoke our minds. We were optimistic. We defended our investment. And we hoped for the best.

I don`t think any of us should be too regretful. Hopefully we learned from our experience.

I`ve gained a lot of respect for those who are truthful... and, I lost a lot of respect for those who played the longs` commitment and loyalty. It will take me a long time to forgive, although I will never forget. Excuse me for being so trusting.

I`ve learned a lot about greed, and a lot about patience. And, more importantly, I have learned to appreciate what is truly important in life... a lesson that more money would not necessarily have done.

Good luck in the new year. And, may it be filled with the kinds of people and events that make life so special.

Kind Regards

Jeff