Someone said "Making good decisions comes from experience, experience comes from bad decisions." I say there are three kinds of people: those who learn from their mistakes, those who learn from the mistakes of others, and those who never learn.
Merry Christmas all! It's too cold here for Christmas (9AM and 34F ) No Christmas Palms! No Sandy Claus! But even in FL they're cold. Perhaps next year we will be in a warmer place! Or have a better insulated "home".