A nice way to stay in touch with loved ones, and a convenient way to share my opinions without having everyone just walk away...wait a minute, where are you going? I wasn't finished..

Thursday, March 19, 2009

Also in the news, Check your bananas.


World's deadliest spider found in Tulsa store
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Print 1 hr 56 mins agoTULSA, Okla. –

One of the most deadly spiders in the world has been found in the produce section of a Tulsa grocery store. An employee of Whole Foods Market found the Brazilian Wandering Spider Sunday in bananas from Honduras and managed to catch it in a container.

The spider was given to University of Tulsa Animal Facilities director Terry Childs who said this type of spider kills more people than any other.

Childs said a bite will kill a person in about 25 minutes and while there is an antidote he doesn't know of any in the Tulsa area.

Spiders often are found in imported produce, and a manager at Whole Foods says the store regularly checks its goods and that's how the spider was found.

___

Information from: KOTV-TV, http://www.newson6.com

Probably, I'm just in a bad mood (see DRI)

but Yahoo news featured a link to a blogger article about anti-semitism so I went there and found it was the author's view that criticism of Israel's murderous violence against women, children, and the elderly (which groups suffered half the fatalities in Israel's recent "War on Terror") were in fact manifestations of anti-semitism. I tried to post a helpful comment, but ran into some kind of impediment.

Here's what appears on my screen when I visit the Meryl Yourish site:

29 Tom Says:
March 19th, 2009 at 9:02 pm
The Israelis did the right thing in humiliating Hamas and killing many.Screw the world and don,t give in to the killers.And I don,t even like the Israelis.

30 Norm Deguere Says:
March 19th, 2009 at 9:12 pm
Fact 1: Anti-Israel = Anti-Semetism.
Fact 2: Most Arab governments are NOT secular or democratic.
Fact 3: Israel is clearly the homeland of the Jews. What more do the Muslims want? They have 1/3 of the world and begrudge one Jewish state? One sliver of the world. I mean, the third most important site in Islam stands on the MOST important site to Jews.

Clearly, Israel is in the right. This isn’t rocket science.

31 Andy Says: Your comment is awaiting moderation.
March 19th, 2009 at 9:21 pm
I thought the natives of the middle east were semites and that the Ashkenazi Jews who largely populate Israel were descended from the Khazars. a Turkic-Mongol tribe whose chief converted his people to Judaism in the 7th century to avoid entagling alliances with the Byzantine or Russian empires. (and to whom Yaweh presumably promised nothing.) Strange that this group after settling in Poland and Russia would become the principal adherents of Zionism and return to a homeland that was never theirs in the first place.
So really it would seem the Israelis are the anti-semites. I hope the facts won’t complicate the discussion too badly.


32 Steve Says:
March 19th, 2009 at 9:42 pm
Radical Islam is the 21st century equivalent of National Socialism. To paraphrase Golda Meir, when the Palestinians desire their own homeland as much as they want to destroy Israel, then there will be peace.

33 Steve Says:
March 19th, 2009 at 9:49 pm
Norm,

That’s as dumb as saying

Fact: Anti-Bush = Anti-American

34 Magyarorszager Says:
March 19th, 2009 at 10:06 pm
You know, there is some real critisism over Israel, but the majority is fake, Leftist/Fascist style Propaganda. I don’t think Israel should be destroyed. Israel’s Army never does wrong to others, but there are isolated incidents where there is problems. What I am sick of is BBC or ABC7 posting anti-Israeli (caugh) Anti- Semetic (caugh) biased coverage. It shames me that people from otherwise civilized nations like “Norvay”, “Spain” or “Sveden” are going to the streets. And some claim that Israel’s existance can not play the Holocaust Card. Well, you know what I have to say is that it’s NEARLY all shit the critics are throwing. As long as there are Holocaust Survivors, and their very far decendants are around, Israel will be guaranteed to stay.

But, just as an extra, I personally think Finland, Denmark and major parts of South Korea/India (other than the muslims there)are the only Non-Jewish nations to succesfully put Anti-Semetism in Critical Conditions, like that skiier… ( Trust me, I feel very bad since she passed away, but this is different.)

There might be an Anti-Zionist Elephant there in Saudi Arabia or Iran, but even it, and all the extreme Leftists out there in God’s Universe are not enough to even Mame the Pro-Zionist/Israeli Turtle out there. The Jews (I am Catholic) may be small in number, but they have the power of 15 million Hydrogen Bombs.

35 David Holbert Says:
March 19th, 2009 at 10:08 pm
I simply cannot fathom most people’s inability to tell the difference between the arsonist and the fireman (after all, they are both at the fire and smell like smoke). Israel is a tiny part of the world trying to fend off anilation. The Arabs are clearly bent on the distruction of Israel and the conquering of Europe. Wake up!

36 Andy Says: Your comment is awaiting moderation.
March 19th, 2009 at 10:22 pm
Meryl,

My recent comment on anti-semitism has been “awaiting moderatiom” for over 50 minutes, and four comments (32, 33, 34, and 35) have shown up on the board since I entered mine. Is there some problem with the tone or content? In the interest of preserving the unquestioned integrity of your site, please post my comment. Or post this one by way of acknowleging to your readers, that thoughtful posts are not always welcomed by Meryl Yourish.



My comments are numbered 31 and 36, and, I thought elevated the tone of the discussion.

What am I doing wrong?

Monday, March 16, 2009

I don't think I'm crazy but maybe I am.

It's that DRI (Darden Restaurants)thing again. This trade has troubled me even more than my GYMB put last winter. Then, I had a May contract at $35 and when it expired the stock was trading $10 higher than that. After my expiration date it dropped back to $35, then 6 mo later to $25, then a couple weeks ago from $25 to $15 in a couple of days. That was a blowout for me, and like with Darden I never placed a stop loss order. I suppose it was a show of defiance. But I'm a year more experienced now and, one would hope smarter, so why am I stuck in another death grip with a stock that refuses to fall. Darden went as low as $24.11 on the 6th then rebounded to over $30 today. Well, my put expires this Friday and earnings are due to be reported Wednesday and the stock has to fall below $24 for me to break even. Even a bad earnings report on Wednesday might not drop the stock $6 in two days. So did I graciously acknowledge defeat and accept the couple hundred dollar loss with poise and equanimity? Of course not - I bought a $30 put also closing on Friday. If the stock drops to 27.00 by Friday I'll clear enough to cover the loss on the other contract and call it a moral victory. Meanwhile the Canadian railway call has done pretty well, and Caterpillar was up then back down. Maybe I'll close them in the morning and focus all my emotional energy on negative vibes for Darden. If Darden is up a buck and a half tomorrow you probably wont hear from me for a couple of days.

On a happier note Kim and Ross celebrated their first anniversary this week. Hooray for them. They dropped by Saturday and we talked and laughed a lot. Ooops, I'm on my new laptop and don't have a picture to post. I'll do that tomorrow.

I couldn't wait so I went to Kim's blog and swiped a photo:





Love to all.

Sunday, March 15, 2009

Pakistan?

In my effort to comment occasionally on current topics in the news, I've run up against the sand dune that is Pakistan. Sand dune because it's shaped by wind and tides, because it's hard to gain footing or traction, because there seems to be a top, but no pinnacle; a nuclear power with vast numbers of urban poor, vast numbers of rural poor, military elite, corrupt governments, wealthy industrialists, scheming entrepeneurs, ungovernable tribal regions, border hostilities with India, Islamic fundamentalists, and the WOG's.

WOGs are "westernized oriental gentlemen", a phenomena common in the aftermath of British colonial rule. I'm particularly referring to the legal community. The fellows in with black suits with brief cases currently in the news for demonstrating against President Zadari, who won election in 2008. Their principle complaint is Zadari's failure to reinstate a supreme court chief justice fired by the former military dictator, Musharraf. The problem for Zadari, widower of assasinated Benazir Bhutto, is that the supreme court justice had been clear in saying he wouldn't approve of Musharraf's deal that allowed Bhutto to bring her husband back to Pakistan after he was exiled, having served prison time on corruption convictions.

Zadari's problems also involve the former prime minister, Sharif, who was deposed by Musharraf and leads an opposition party. Sharif was a good Prime Minister, and is the son of a leading industrialist, posessing considerable personal wealth. Zadari's problem is that when Sharif led his party into an alliance with Zadari he stated two conditions, that there would be no deal struck with Musharraf, and that the Supreme Court justice would be reinstated. Zadari, inheriting Bhutto's party, was going to win the election after Bhutto's assasination, so why did he agree to that second condition? Presumably, because he knew that once elected he would ignore it, and use the powers of the office to isolate and marginalize Sharif. He's tried.

While Sharif is not an Islamist, he is a nationalist, and has gotten along with the generals in the past. Zadari is a corrupt opportunist who married well, and enjoys the support of the US because he's tolerant of American incursions into the tribal regions bordering Afghanistan. He's replaced his wife's senior advisors with his own people in the party hierarchy. As I've said before, if you want to appraise the state of American diplomacy, look at the people we're supporting abroad. Usually, they're of the Zadari ilk.

The generals will play a role in settling the current unrest, and may not support Zadari too strenuously, since his ties to America will impose on the army the role of fighting with the Islamic fundamentalists, a job they don't really want and, based on recent developments in the Swat valley, may not be competent to do.

PS One other complicating factor in the Pakistani formulation is a simmering antagonism between natives and the more enterprising emigres who fled India in the late 40's. Shamir's father was one of those emigres.

Wednesday, March 11, 2009

Personalities

Market forces are bigger than personalities, but personalities are interesting.
I remember a young man named Phil Purcell from Notre Dame. He was a nice fellow, thoughtful and intelligent. He was successful in his career. After ND he attended the U of C and the London School of Economics. After a stint with the consulting firm, McKinsey and Co, he joined Sears at the Chicago headquarters as director of planning and acquisitions. He managed Sear's acquisition of Dean Witter, and started up the Discover credit card. He managed the spin-off of Dean Witter from Sears and as CEO of Dean Witter led that brokerage to growth and profitability and eventually the acquisition of the investment banking firm of Morgan Stanley. Morgan Stanley enjoyed growth and profitability under his leadership. He emphasized the traditional businesses of consumer brokerage and investment banking and was not an advocate of the more highly leveraged investments coming into vogue on Wall Street.

He also declined to participate in the Big Apple culture, commuting to his home in Winfield, Ill. at week-ends. The New Yorkers labelled him as an egotistical outsider and when he dismissed executives who protested his conservative leadership the New Yorkers started a very public public campaign to have him ousted, which eventually succeeded.

Siding with the Group of Eight former partners at Morgan Stanley advocating Purcell's dismissal was Vikram Pandit, one of the Wall Street crowd who had been annoyed with Purcell's emphasis on a traditional banking and investment philosophy, and Purcell's failure to have Morgan Stanley acquire (or be acquired by) one of the high flying banks to increase available capital for bigger deal making.

The big bonus investment bankers ultimately were successful in forcing Purcell out at Morgan Stanley, but in retrospect, judging by results at the other investment companies and those high flying banks, I wonder if Purcell wasn't correct in his approach and vindicated by subsequent events. His buy out at Morgan Stanley was 60 million dollars, so I guess we don't have to worry about Purcell, and he's probably been happier to survey the carnage on Wall Street from his home in Winfield than he would have been dealing with the self promoting investment bankers on Wall Street.

Vikram Pandit, the Big Apple's favorite, ended up at Citigroup, from where he sparked yesterday's rally with a letter to employees saying he couldn't understand why the banks share prices were so low since the company had booked profits for the first two months of 2009. Well, Vikram, I suppose your timely announcement precedes the requisite write down of bad assets at quarter end, and might have been a ploy in your efforts to persuade Washington to amend the mark to market requirements, but if you really don't know why Citi's shares are in the tank, just stick around.

Tuesday, March 10, 2009

aaargh

Well the rally's here.

I brought some more "insurance" in the form of a April call on Caterpillar.

My DRI position may end up as a total loss. Even if the earnings report is bad on the 15th, if there's a rally going on, analysts will say performance was bad, but "better than expected" and the company is "well positioned for the recovery"; neither of which happen to be true, but may reflect the mood of the market.

On a happier note, Janett had a q-p-w-c for lunch with fries and a vanilla shake, and cleaned her plate. Good enough news in itself, but then she wasn't hungry at dinner time, and I was left to my own devices and heated up some kielbasa in a can of butter beans. I, likewise, cleaned my plate. Yumm, butter beans.

Tax season is slowing down, so I'm cranking up my marketing psyche, referring to a list of new business licences issued for the last nine months in Cook and the collar counties to comprise a prospect list. Thanks, Tribune. What will we do when there are no more newspapers?

Sunday, March 08, 2009

Circles within circles

Sunday morning. Mom and I are watching an old movie (1943) named The More the Merrier wirh Jean Arthur, Charles Coburn, and Joel McCrea. It's a funny movie, directed by George Stevens. I ought to go the the movie data base and check out Jean Arthur. I think I've enjoyed her performances in other movies.

Meanwhile, I was reading this news story. What the heck is going on?

Thursday, March 05, 2009

Please excuse my recent fit of pique,

It was late. I was tired and angry about being on the long side of a trade and that Darden wasn't falling. I didn't do the things I said I would do. I entered the orders, but cancelled them when the market was opening higher the next morning. Darden closed below $25 today, and is trading below short, medium, and long term moving averages, all three of which are now declining. CNI is above 30, having enjoyed a good day yesterday and a not so good day today. I think a quarterly earnings report from Darden is due out on the 15th. Put volume was very heavy at $25 early this week which I think means a lot of other folks share my anticipation of a decline in the share price. Of course for every buyer there has to be a seller.

I haven't previously mentioned the 50 year reunion being organized for my grammar school class. John S. and Tom C. are the planners. Tom gave me the names of four people to call to elicit interest, and the memories the names brought to mind, though some, of course, were embarassing make me think I'd really enjoy seeing the four of them and as many others as might show up.

Janett and I had a good day today including running some errands, walking around a bit and lunching out. Uh Oh, Mark just called looking for a missing cake pan. I've got to check the cupboards. Hmmm I guess I've never written that word before.

Tuesday, March 03, 2009

I need to be more positive.

I need to consider my venture to the bullish side as though I was simply taking out insurance to protect me in the event a rally had occurred. I need to love my negative side. I need to close out that Canadian Railway insurance policy and buy a put on Visa.

I need to celebrate as the credit card company gets its just deserts and revel at the rewards as Darden crashes. Sure a rally is still possible, but am I the kind of guy who's happy being long a railroad stock? Not since I was ten and buying the B&O at the Monopoly board.

I'm a bear, and I know it's crappy out there and getting crappier.

Janett is doing a little better the last couple of days. Not making any promises, but if its 50 on Friday and not raining I'm going to try to go for a walk with her.

Tomorrow, besides completing a clients 1120, I plan on a visit at Steffy and Mark's for dome playtime with the boys.

Now, I have to go out and move my car to the other sise of the street.

PS I also have to find my speakers and plug them in so I can listen to my playlist.
Also, I want to listen to more of our Christmas present from John. There hasn't been enough music in my life the last couple months.

A quote

The most violent revolutions in an individuals beliefs leave most of his old order standing......... New truth is always a go-between, a smoother-over of transitions. It marries old opinion to new fact so as ever to show a minimum of jolt, a maximum of continuity.

~ William James (1906)

Hmmm, maybe the rally monkey was trying to marry old opinion to new facts. The Canadian Railway stock I bought a call on as a bullish play has lost just over 2% as compared to 5 or 6% on the S&P and DJIA, but yesterday dropped below its previous low. I should close out that position, but probably won't. The good news is that DRI is down 8% over the same 5 days.

Sunday, March 01, 2009

March 1, still

I was going to go to Willow Creek with Louie, but didn't wake up in time. I guess I was tired. I'll read a little of What Paul Meant, instead. Someone named Dave Ramsey was epeaking there today, a nationally syndicated financial writer who shares Bill Hybel's respect for living debt free, and so counselled the flock. He also suggested the market was at it's bottom, and said he was increasing the allocation into equities in his personal monthly budget. Though the market was down on Friday (including the Canadian National Railway, but not my nemesis, Darden), I'll wait for Monday to see if this rally is really going to happen.

Just now, I'm awaiting a visit from Steffie, Mark, and the boys. She's going to augment my housekeeping efforts by taking the vaccuum out for a spin around the place. I hope she'll resist the temptation to take the dishes I've washed from the cupboard and rewash them.

March 1st

The Stanger boys. (courtesy of Steffy)


Owen remains his own man,


but Malachy is in a relationship.

In re my tech guru comments, he's likeable and bright, but "Golden Age of Capitalism"? Maybe 1945 to 1965, but even that I doubt.

Saturday, February 28, 2009

Below are some thoughts from my tech guru,

I would say he'd be characterized as a overt capitalist, so he's not repudiating the system just the practices employed by aggresive unscrupulous practicioners.
I'll post somerthing more personal later

In my view, 1982 through 2007 was the golden age of capitalism. No one announced its beginning, and very few people realized its end, but as measured by the pendulum of social and economic change, I believe the generational timespan of that quarter-century embodies the resurgence, and then self-immolation, of American capitalism.

Off the top of my head, those years, we had:

Reagonomics;
Yuppies;
The great bull markets of 1982-1987 and 1991-2000;
Lower taxes;
A more docile IRS;
A resurgence in Republican strength (think Newt Gingrinch);
A strong America capable of winning major wars in 72 hours;
Historic IPOs like Netscape and Google;
The rise of Silicon Valley from obscurity to the center of the world;
Economic globalization (think BRIC);
The collapse of the USSR;
Hero-worship of the rich (including hedge fund managers);
Widespread popularity of books about money and assets;
I could go on and on, but you get the idea.

The pendulum has just started to swing the other way, and I don't think it's a little bobble before we return to the above. I seriously think we are in for just as long as period - - and just as deep a change - - as the era above. We'll be stumbling our way back to where things were in the late 1970s..........malaise, weakness, and Billy Beer.


What would people think if, just six months ago, you speculated that Citigroup would be a nationalized institution? Would they laugh at you? Look at you as if you were insane? Cart you off to a rubber room?

That, of course, is just the tip of the iceberg. When Obama speaks of a "once-in-a-generation opportunity" to change the government, he isn't talking about remodeling the oval office. The "opportunity" is the most dramatic expansion of the government and its instrusions than any of us have seen in our lifetimes.

All I'm saying is that the market's 50%+ plunge is signaling the changes to come, and then the market finally bottoms (and my best guess is that this is going to be in the 4000 area on the Dow), we will have been witness to exploited "opportunities" that we can scarcely imagine today.

Thursday, February 26, 2009

The recently announced rally has been indefinitely

postponed. At least it didn't happen today. Which is fine. My Canadian railroad was down 16 cents. The important thing is that Darden fell $1.75 today and is now below (slightly) its 50 day moving average, and the 38.6 retracement level. That's a 6% decline for the day and brings the stock back where I "sold" it. The stock was down early when the Dow was up 100, so I don't think it was just following the market down. Maybe someone got a peak at the numbers for the quarter just ended, and didn't like what they saw.

I really don't want a rally to lift Darden. As you may have noticed, I've become emotionally involved. But Louie's rationale, while not convincing, is compelling. One thing I didn't mention last night, but the afficiandos among you realize, is that 7100 on the Dow is one half the high of 72 weeks ago. There is a rally lurking out there.

Maybe going from a 100 point gain this morning to an 88 point loss this evening will delay the rally for anther day or two, and we could see another 80 point loss with Darden leading the way down.

Tim Knight posted a list of 30 stocks with bullish possibilities today. While he's
not ready to go long just yet, I think the little hairs on the back of his neck are standing up too.

Wednesday, February 25, 2009

Louie says...

its rally time in the stock market. Last week he was projecting a low of 7100 on the Dow based on what appeared (to me) to be a technically obscure 7100 high twelve years ago. Now having reached that projected low and seeing a double bottom on the Dow, and being 72 weeks out from the top he says its rally time. Hmmmm, 12 years is 144 months and 72 is half of 144. I don't know why these kind of numbers are significant, but I do believe wizard technicians look at the market having at least 2dimensions. Price movement being the vertical, time being the horizontal, with volume a possible candidate for the third dimension of depth. When we used to enjoy more time at the bar Louie would spend hours explaining Gann theories to me, and lapse into numeralogical phenomenology. When he introduced astrological observations, I'd know we were late for the door. Anyway, he's not saying that the market won't eventually go lower, but he's projecting at least a rally to the post election high of around 8,600.

Since he went to the trouble of phoning me with this prognosis, I'll swallow my pride and go look for an attractive call to buy.

It's later now and I entered an order to buy CNI (Canadian National Railway)
Things in Canada are pretty OK, Eh? My call is for April at $30 and cost me $4.20.
Well, $420, actually. That means I'm buying the right to purchase the stock in April for $30 The stock is now at $32.66. First, I went to Tim Knight's site to see if he was reccomending any specific calls. Nope, none, not a one. He's very bearish. OK, Louie we're on our own on this one. PS I didn't close out my DRI.

Monday, February 23, 2009

Hi.

Did I tell you abouy my cell phone? I left it at the office on my last day of work. I knew I was leaving without it, but I'd looked everywhere. I hoped I'd left it at home, though I was pretty sure I hadn't. Well, it turned up there last week and I ran over there and picked it up today. I mention that because it may be a contributing cause of my current sense of isolation; perhaps solitude is a better word.

I've been interacting with folks positively, family, friends, associates. Is my sense of aloneness a phenomena that afflicts people who try to start a little business? Thank goodness I don't have to worry about meeting a payroll.

Or is DRI making me crazy? The market was down big on Friday and Darden was up nearly a dollar. Down 84 cents today. An investment blog today described them as being practically a dead man walking, with a current ratio of .4 and an acid test ratio of .1. These are very bad numbers, but still the stock refuses to crack.

I'm not worried about a couple hundred bucks, and I never claim infallibility. I just don't like the market telling me I'm wrong when I think I'm right.

On a homier note, we called the pizza place this evening an asked them to deliver a couple sandwiches. Italian sausage for me. Rick's Special for Janett. That's an Italian beef with green peppers and red sauce and cheese. Oh, and she ordered onion rings with it. She only ate half, but I think that kind of appetite is probably a good sign. She's still weak and hasn't felt well. I take my encouragement where I can get it these days.

Love to all.

Friday, February 20, 2009

the market

What with all that's been happening, I haven't mentioned my last trade. As I've said before I try not to do anything in the market when Janett's unwell because my judgement and focus may be impaired. I entered an order to buy a Darden put the Saturday night before Janett and I went to the hospital.
The stock price was around 26.25 so I bought a put at 25. In the following weeks the stock price rose to 29.60 - whoops! But that was the same price at which a recent high was reached and the stock fell away from that high before my purchase, so I hoped it would be a price the stock would not surpass. Sure enough the price declined in the last several days back to 27.20 The issue is still in doubt.
I didn't have a good technical reason for going short at that point, except that the stock price had doubled in the last couple months, and that I hoped the 29.60 price would resist penetration and protect me on the upside.
My reason for "shorting" the stock was that in the bad economy sales volume would fall and the company has borrowed a LOT of money short term to finance expansion. I was motivated by the prospect that the stock could give back much of it's gains from the $14 low on November 20. Second guessing myself, I think institutional investors feel the company's restaurants (Red Lobster, Olive Garden, Bahama Breeze) have "brand identity" that will maintain their customer base even in tough times. Also, I think the company has a good PR team promoting this attitude. On the contrary, I think the restaurants will start to cut corners with smaller portions, less attrsctive specials, and that staff morale will decline with lower patronage and gratuities. eroding their popularity. We'll see what happens.

Thursday, February 19, 2009

I suppose from the sign of the scales one can

imagine it to be a characteristic of Libras to be always seeking equilibrium and some kind of metaphysical harmony. One might also suppose Libras don't respond very well too tumultuous episodes. Superficially, we might maintain the same disposition, but in fact we're being stretched in uncomfortable ways.

This recent medical crisis for Janett coincided with the much anticipated completion of my temp assignment and the begining of my bookkeeping venture. I'm probably not handling either of these situations as well as I'd like to, but I think we're getting through.

I'll post more later.

Saturday, February 07, 2009

Bracing

Her's a link to an article by WSJ writer, Peggy Noonan. Not too ambitious a piece of writing, but pretty sound, which refers to peoples' faith as they consider their futures.

Things are much better

Janett is well.

She left the hospital yesterday for a little more recuperation time to be spent at the home of Kim and Ross in Lombard. Steffie brought Mark and Owen here yesterday and gave our place a thorough tidying, so when Janett's a couple days stronger she'll be able to be comfortable here.

I'm going to be busy today, so this is just a short note, but I want to express my respect and appreciation for Kim, Ross, Steffie, Mark, Noah, Lauren, Jason and Dee for their loving devotion to Janett in a difficult time. Also, I want to say that Janett demonstrated qualities of courage, dignity, and gratitude that we might have observed in my mother, but in few others over the years.

I'll leave it to Steffie to thank Crystal and Sarah, but I should mention our appreciation of the kindnesses of Carrie and Bill, and Louie, and Jose and Mel.
And a shout out to daughter Val, our brothers, John, and Sally Miller, Si's wife for their concern and prayers.

Ooops, that reminds me. I have some calls to make.

Love

PS. I should also express our gratitude to Dr Wallace, Janett's surgeon and to the many devoted caregivers at St Alexius. They were all extremely competent, thoughtful, and kind. We recognize how special they all were and know that reflects on the administative staff as well.