Here we are at the end of it all.

All, 20, all of it.

You and me here together at the end of it all.

What'd you make of it?

How did you do?

How would you score yourself?

What's your single favorite memory or moment.

Did you have your heartbroken?

I bet you did at least once.

Never forget that, but do get past it.

And what three lessons will you take away?

And with whom will you share those three lessons?

When English speakers worldwide sing tomorrow should old acquaintance be forgot, Remember that lyric is just the start

of a rhetorical question. I wouldn't suggest I don't think 18th century Scottish poet

Robert Burns was suggesting that you forget old acquaintances, but some non-trivial amount of

this year and feel free to round it up, we might want to forget and if that's you, you have my foolish permission to do so.

None of us though will forget the stock market how it dove and rose

how many of our favorite companies went on to higher heights than we would have dreamed

at this time last year. Do you remember? Think about it. Could you have imagined, dear fellow

Tesla shareholder, that as Tesla started the fateful year of 2020 below $100 a share that

it would finish over 600? That is an acquaintance not to be forgotten.

So here at the end of it all, I say we close things out as we always do, every month,

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