In a land not so far far away, the three bears were treating themselves.

Ah, we've put all that Goldilocks business behind us now we've got Skye Protect.

It's home insurance with Smart Tech included, so now we can keep an eye on home wherever we are.

And if anything happens, we're covered with de facto five star rated home insurance.

Live happily ever smarter, with Skye Protect.

Here's something that will blow you away, heat pumps, the low carbon future of home heating,

and now's the perfect time to upgrade with a 7,500 pound government grant.

And if you get yours from British gas, we guarantee you will heat your home to your perfect temperature,

or your money back.

And what's more, we won't be beating on price.

So it's British gas, heat pumps, exclusions and conditions apply, government grant subject to eligibility.

Welcome to Destiny.

Now here's your host, Cliff Dunning.

Hey, welcome to Destiny, I hope you're doing well today.

This is typically a joyous time of year.

We're welcoming in the holidays, Hanukkah, Christmas, whatever you celebrate.

And this is a time for gatherings with friends and family.

But it's also a time to reminisce those who've passed and, you know, the pandemics in our face still,

and I was reading the other day, worldwide.

Almost a million people have died, have perished because of this virus.

So these are very, very challenging and stressful times.

And the focus for today is the loss, the grief of a loved one, of a close friend, of anybody who means something to you,

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