To all our friends, may the coming year be a blessed and safe one. May it also be one full of happiness and security for each of you. We cherish each and every friend and associate we have no matter where you are…

To my clients and friends in Italy and Switzerland – Happy New Year!

To my clients and friends in China – Happy New Year!

To my clients and friends in the Cayman Islands – Happy New Year!

To my clients and friends in Israel – Happy New Year!

To my clients and friends in Europe – Happy New Year!

and to my clients and friends in the United States – a very Happy New Year!