This week in many communities, you will hear the phrase, “trick or treat.” Fall is in full swing. Candy. Caramel apples. Cider – hot or cold. Chilly air and colored leaves (in some geographies). Hayrides. Some folks decorate their yard for Fall. Others prefer a Harvest Party with games, costumes, stories, and pumpkins. But these festivities don’t change the reality – trick or treat is real life.

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