FHN, I like your take on this.
Thanks. Hope you had a Merry Christmas.
Hubert
You are welcome, Hubert. We had a good christmas. After we opened gifts, Julian and went to have dinner and play games with a family who run Julian's Kids' Hope mentor program. Lovely people. Their kids are all under 30, but over 20. They picked at each other, good naturedly all day. They played games with us. It was nice to be in a real home, not an apartment and with a fully intact family. None of the four kids are married or have any kids.