Our days are dark as we approach the shortest day of the year. The news seems dark. You might ask, "Where are the bright spots these days?" What follows is a good list:
1) Equity lines of credit will drop next month
2) Gas is costing less
3) Mortgage rates have dropped to a 34 year low
4) Things are costing less
5) The temp is above zero
Look to the sky on these clear nights and say, "Star light, star bright, first star I see tonight. I wish I may, I wish I might, have the wish I wish tonight." Wish hard as wishes do come true. There is not total darkness in our days.

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