I received this letter:

"The holiday season brings several images to mind. Laughing with visiting family and friends, cozying up to a warm fire, trimming the tree and sipping hot chocolate are just a few. I hope that you and your loved ones are already enjoying these simple pleasures and that your home is providing you with many happy memories during the holidays and throughout the year."

"Now is the perfect time to reflect on what truly matters. I want you to know that I value your business relationship. If you ever have questions regarding your mortgage, please feel free to call or stop by my office."

"You have my warmest wishes for a joyous holiday season and a new year filled with happiness.

Sincerely," Name removed to protect the guilty

I'm thankful for the hint to what truly matters. . . . I suppose I should change my life accordingly.