Dear Client: I'm not going to delve into the maudlin clichés of what a terrible year 2020 was. We all know what we know, and what we don't know, we are likely expecting to newly appear in a terrifying news report. Like locusts or more wildfires or coyotes developing opposable thumbs and taking over university buildings -- or something. At this point, even that would not surprise me. Coyotes are like clever little dogs, but with a fever that renders
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