My Dear Colleagues, As we stand at the threshold of 2018, we give glory to God for His Mercies and Grace in the outgoing Year even as we look forward to His abundant blessings in the New Year.  My prayer is for us all, with our loved ones, to experience the joys, blessings and love of this Season, and may He continue to abide with us and direct our ways now and into the New Year and beyond. Happy New Year and Happy Holidays ahead.


Paul Usoro, SAN, FCIArb

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