Whether or not we celebrate Christmas and its religious meaning, it does give us a time to slow down and reflect. Many businesses are closed or on reduced hours today. Cities and homes are decked out in lights and decorations. There is a hush that falls over many places as the crowds dissipate, even in New York City. I’ll happily take the R&R with time to see friends and enjoy the peace. Wishing you all a lovely day however you’re spending it, and Merry Christmas to all who celebrate this holiday.