FDS Insight Newsletter Oct-Dec 2020

2 them all. It is never easy when someone close dies and nothing can take away the loss, but we can assure people that they are in our thoughts. This is the last newsletter for this calendar year, and of course it is time to renew your subscription (subscription form has been included). Finally, we wish everyone a very peaceful and happy Christmas. We really hope that 2021 will be a much better year for everyone. Tony T Why tough love has no place in FDS model