Dear friends and clients far away and close, I wish you and your loved ones wonderful holidays, although this christmas will be a lot different than we are used to. Keep the vulnerable safe and give the ones close to you that extra hug. And let’s not forget those who have nothing, while we sit warm and comfortable. We will get through this, and I hope the coming year will be much better for all of us. Until then, stay safe and healthy. Merry christmas everybody!