Another year has nearly passed; and once again the readers of Deposit Accounts have shared a wealth of divergent views: both on the causes of our high inflation/low interest rate environment; and the best ways to cope and survive until inflation abates, and interest rates once again rise from the abyss. Certainly some of the dynamics have been interesting: the ongoing whac-a-mole battle between the DA editors and the Wharton elite; the respectful disagreements between left and right about the efficiency and accomplishments of Republican vs. Democratic administrations; the less than respectful offers to repatriate those with opposite perspectives (though in fairness to personally fund the repatriation); and the theological differences about whether the inclusion of political issues in our discussions is indeed topic-relevant. Yet amidst all our differences, we have joined together to learn from Ken's thoughtful and well-informed articles and analysis, to support one another through challenging economic times, and though we may at time be loathe to admit it; many of us have perhaps learned from those with different perspectives than our own--I know that i certainly have. I wish Ken and all my fellow Deposit Account readers a most peaceful holiday season and new year.