With the end of 2025 in sight, things are looking pretty good, but there are still many issues affecting our local business community. We've seen quite a few new businesses open, however we've also unfortunately seen many forced to close. Commercial insurance rates are continuing to rise, with some property owners experiencing increases as high as 30%. In response to this trend, it's important for businesses to implement proactive risk management strategies. In addition, commercial rents are still rising, regulations and fines are continuing to place a burden on business owners, and the effects of tariffs and inflation are starting to impact business. Our mission remains the same and we continue to be here for you.