Happy Holidays

This time of year has always been one of reflection and anticipation. One of memories of Christmas past and inquisitiveness about odd-shaped presents under the tree.

On a professional level, it's difficult to escape the economic problems facing the nation and, in particular, the banking industry. This year has been overwhelmed with TARP, failed banks, takeovers, mergers, CFPA and you name it. New competition from non-traditional financial services providers -- from PayPal to Wal-Mart -- has only added to the stress and strain for banking professionals.

And as if this hasn't been enough, banks are being propelled into the future with mobile banking and all the technology requirements it entails.

Oh, am I glad we're in the holiday season -- especially this year.

For the next two weeks, I am taking a break from the trials and tribulations of my work to enjoy two newcomers to the world: Isabella and Joaquin. The twins were born December 1 to my son and his wife. They join Scarlett, 3, and Archer, 4, my daughter and son-in-law's beautiful children.

I wish everyone a happy holiday season. I'm out of here!