Thank you sumisu. I hope you have a great holiday with those you love.
Yes, I expect 2023 to be really challenging from a financial perspective at least. The media is doing its best to downplay what is happening (even conservative media) but, in my opinion, it cannot be avoided. I lived through the '70's and '80's as a young man and this recession will probably make that one look like a walk in the park. I'm an old retired guy now and will do my best to roll with the punches.