I wish all of my friends, family, church family and former co-workers a sincere Merry Christmas, Happy Holidays and Season's Greetings from the Chappell family!

I know it's cold outside (hmmm, someone should write a song about that), that there isn't enough snow yet and everyone is busy, but I still love all of you and look forward to getting together with some of you over the break and getting together with as many as I can in the New Year.