Hello Friends! It is Black History Month in the US ♥️. To us, this month is incredibly important. Every year we find the dialogue about our shared history is getting richer. Are there plenty of concerns? Yes, there are. Opportunities to act? Yes, there are. And in the current focus our personal understanding of the ongoing contributions to all that we are together increases, and the world – at least the one close to us – gets better and becomes fuller. #thankyou

• Angela Montez: Can we get more for less with CITs? Maybe

• State stats

• States in action - California, Colorado, Connecticut, New Mexico, Virginia, Hawaii, Mississippi, Missouri, Pennsylvania, and Rhode Island

• Retirement-linked emergency savings – does it work?

• Pix of the Week!

• 2021 – a few favorite moments

• State stats: one year view

• States in action -- Connecticut and New Mexico! ... and

• PIX of the week … tropical holiday style