*I hope you like the new look for 2018. Let me know your thoughts in the comments or send me an email. This “theme” is one I used many years ago. -JmB

Hope smiles from the threshold of the year to come, whispering, ‘It will be happier.’ – Alfred Lord Tennyson

Happy New Year! Today’s commentary deals with:

• More Fees
• What about Bob?
• I Love Football

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