I just wanted to pause for a moment to thank everyone who regularly reads and comments on this site, as well as the many other fine personal finance bloggers out there whose sites I enjoy when I can. I'm not actually all that good at time management, and I can also be kind of a poor communicator with friends, so I'm terrible about responding to emails, getting into dialogue in the comments on posts, and commenting on other people's blogs. But it doesn't mean I don't care! I love all your thoughtful, helpful and funny comments and emails-- keep them up! Thanks!