Again, behind with the Christmas cards. Is it too late now that the year has turned? Or, will people be gladdened by a little holiday cheer? The fun is over and you're looking down the tunnel of a long, dark winter and the next holiday is Jan. 16, if you're lucky.
The photo at left is a icicle on my neighbor's house. Does a homeowner's policy cover death/dismemberment by icicle? It's on the second story so it would get a bit of velocity going by the time it brains you.