The staff members of National Underwriter and its sister publications want to wish you and your loved ones the happiest possible holiday, and to those of you who are in financial services, appreciation for your efforts to make your clients more secure and more prosperous.

We will be on hiatus until Tuesday.

If you find yourself with more time than usual because there are no new articles here, consider using that time to make a contribution to the MDRT Foundation, to help people who really need help.