-Executive Summary-

        • Still no major new commitments by financial institutions.  Today, the broader market (SP-500) and the DOW (DJ-30) closed “mixed”.  The NASDAQ closed down a bit.   Divergences are present… See “Story Stock Investing” below.
        • We wish you all a Blessed and Happy New Year.  Auld Lang Syne courtesy of the BBC Symphony Orchestra.  Please Enjoy.


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