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TO ALL ...AND A BLESS-ED NEW YEAR - EVERY DAY!! I'm glad to be here, thank you, Kerrie, for the invite! A little about myself: I'm a 57-year-old granny, with 3 grandchildren. My work history is as a secretary in banking, and construction, and I attended the Univ. of Toronto with a view to study criminology. I had a car accident, which disabled me. The up-side of this, is that I have a lot of time…