It's the most wonderful time of year! Why? Because at this time of year we actually recall to reach out to friends near and far. We tend to make the effort to extend a helping hand to those in need. We remember to say thank you to co-workers and those in the service industry. We might visit someone we haven't seen quite as much as we'd like. And we pause to reflect on the year behind us, and look forward to new beginning right around the corner. So in the spirit of the holiday season, take a moment to 'pay it forward' and share your story if you're on the giving end, or if you've been gifted with a smile or gesture on the receiving end.