ell, friends and readers, another year has come to an end. I am glad to say that it appears the COVID-19 pandemic is more or less over, though I continue to see many people wearing masks – surprisingly, some alone in their cars and others walking around outside. It seems to me that 2022 has been a difficult year for many – not the least because of the end of the bull market in stocks and the advent of serious inflationary pressures on the economy, as well as the strife going on in Ukraine and the continued serious divisions in our own political spectrum. Fortunately, we still have the diversion of national bank note collecting, our passionate hobby
