english: We hope you are, because there are certain things you will need to know now, and some you may need to act upon before the end of the calendar year.
non_english: ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡. ➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡. ➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡➡