We would like to give our deepest thanks to any readers who have served or are serving in the armed forces and those with loved ones in the armed forces.

We will be out of the office Monday in observance of the holiday and will skip an issue of the e-mail newsletter.

If you find yourself with extra time on your hands because you have less insurance news to read, consider using the extra time to visit the website of the MDRT Foundation to contribute to efforts to help those in need.