The Holiday season is here! That means the end of another year and a new one is quickly approaching. Let's take a moment during this very busy season with all its hustle and bustle, and last-minute shopping, to remember all the positives in our lives. Try to enjoy all the little things that you routinely overlook. With the new year just days away, try to build on these positives and make 2020 a better year for yourself and your family. Merry Christmas, Happy Hanukkah, Happy New Year, and a Happy Holidays to all of the members of COBANC.