Dear Fellow Owners,
Every year I sit down to write this letter to you as a reflection on the previous year. This year, I find this task even harder than usual. The events surrounding the COVID-19 pandemic have materially changed our lives for the foreseeable future and it seems somewhat irrelevant to spend time now talking about 2019. Having said that, I know how hard our partners worked last year to serve you, so I want to take a moment to recognize just a few of those contributions.