2020 was a hard year. None of us could have ever imagined a year like we have lived through. We hope that you are healthy. We are also prayerful that you are still serving the Lord with everything you can right now. SMBC has also had a very different year than we expected. For the first time in decades, we did not hold camp due to COVID-19. While that decision was difficult, we still believe it was the right one. As you can imagine, this has created some financial compl