No, I'm not three months early. The bank's financial year ended at close of business today, and tomorrow we begin our new financial year. No time to rest on our laurels; everything gets re-set back to zero and away we go again, on the perennial quest to make target. Anyway, it's a new year, with a fresh start, and it HAS to be better than the last year. (Positive thinking in action here!) I'm having my own little celebration, with a glass of chardonnay and a bag of potato chips. I did say "little", didn't I?!