Well it is that time of year again…fall, Autumn. Whatever you call it, the winds of change are blowing through. There is a new chill in the air. When I was a kid I got excited about this time of year because it meant Halloween, Thanksgiving and Christmas were not far off. Now as I sit here with another decade almost in the rear view mirror the chill in the air means more blankets on the bed, the air conditioners get removed from the windows and the coats and sweatshirts come out. Oh well, at least I have the coming holidays.