Hello, dear readers!  Your humble blogger wishes you a very merry Christmas this year.  May Santa bring all the adjusters and defense attorneys presents this year.  And as for the lien claimants and the applicants’ attorneys: in some countries, coal is the best present and will warm you and your family for the winter season.

Here’s wishing you a safe and happy Christmas with the people who really matter in your life, before you have to return to the cold world of workers’ comp (where it’s winter all year round!).