Each year we like to send a holiday letter to our friends and loved ones looking back at the past year and looking forward to the coming one. These letters are extremely personal but also extremely universal. Though written at holiday time, the observations I share are a true reflection of life all year long. In them I share my struggles, joys and thoughts, which like yours, change from year to year and I'm sure mirror many of the same things you go through. I've left some personal things in here to give you a sense of who I am - a regular person like you with all the normal victories, defeats, happiness, sadness, joy and pain that we all share. Each letter contains reflections, lessons learned, wisdom and insight that God laid on my heart that particular year. I believe these will help you with your life and have great value to you. In these annual holiday letters I ask people to stop, take stock of where they were at, and consider how they were going to move forward. I hope that by sharing these letters with you it will cause you to do the same.