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"...No man is a failure who has friends."

That's the Mark Twain quote that appears in "It's A Wonderful Life," that classic 1946 Frank Kapra classic that features George Bailey, played by Jimmy Stewart, who is down on his luck.

The holidays can be challenging. Even when we celebrate--we are often dealing with stressful situations and challenges. Life is messy and often complicated. Bad things still happen to good people every single day.

But those things just give us another opportunity to show the world who we really are. We also realize that with friends, family and a great community--we are indeed--rich, after all.

Merry Christmas & Happy New Year!