Yes, this time of the year we think about how we are going to say thank you to all those who have made our lives so much richer, did us a favor, listened to our stressful situations, offered advice, drove our kids to the soccer practice, and the list goes on. May I suggest you begin to make that list now? We often wait until December to begin composing our list of thank you gifts. We are already on overload and the fun of saying thank you just disappears.Every November, we celebrate