I've been wanting to post this for over a week, but I've been embarrassed. I am on the Christmas card list and have been the last 3 years, I think. Things have come up and I simply don't have the money to send any out this year. My account is actually negative $3.99 (I don't get hit with fees as long as I'm under $5 negative). So, I was thinking I would try to send out New Years cards. I'm really sorry and I hope I haven't offended anyone. I had every intention of sending out cards this year.