It feels like just a moment ago that we were preparing for the same very special celebrations in 2012. Every year, we gather at our homes, look back at the almost complete year of hard work, changes (good or bad), and achievements. Christmas and New Year’s celebrations give us the opportunity to lay back and enjoy a well deserved rest along with the company of our beloved families and friends.Let me thank you, my dear friends, clients, partners, and all visitors to my website, for your support. I wish all of you a Merry Christmas and a Happy New Year 2013. I hope you’ll enjoy it at least as much as you’ve enjoyed this past year, and that 2013 will be full of great achievements for you!

Jay Banks