Holiday letter 2009

Official Holiday Letter 2009
The year of learning

Please read the following and circle the appropriate answers - honor system for grading (no need to respond or return to us).

In 2009, Tom and Sabrina....
1. Took and PASSED ASA (American Sailing Association) 105 Coastal Navigation Class
2. Got CPR and First Aid Certification (actually only Sabrina did this)
3. Took ASA 108 Passage Making Class
4. All of the above

In 2009, Tom and Sabrina traveled to....
1. The Bay Islands off Honduras to visit Patrick and Nancy aboard s/v Stolen Child
2. St Augustine FL dor delivery of s/v Gratitude to Brunswick GA
3. Norfolk VA for ASA 108 Passage Making Course to Bermuda
4. Bermuda via s/v Celestial
5. All of the above (*s/v = sailing vessel)

Sailing from Norfolk VA to Bermuda, Tom and Sabrina....
1. Learned how to prep a boat for an off shore passage
2. Were 2 of 4 students with a captain and first mate
3. Had the best time
4. Can't wait to go back
5. All of the above

During the sail to Bermuda, Tom and Sabrina ....
1. Sailed day and night until reaching Bermuda
2. Stood two 4 hour watches every 24 hrs
3. Experienced 3 storms with winds 41 knots during one particular blow
4. Made landfall in Bermuda 4 1/2 days after setting off from Norfolk VA
5. All of the above

In 2009, Tom's appraisal firm....
1. Experienced a slowing in business
2. Saw a shift in the types of appraisals - more foreclosure/workout orders
3. Maintained core customer base - area banks
4. Helped with overall market correction on house values
5. All of the above

In 2009 Sabrina's career....
1. Has continued with BSI now WKFS as an account executive
2. Covers customers in 2/3 Missouri
3. Saw record level of banking legislation
4. All of the above

Tom and Sabrina sail their Catalina 30 Distant Drum on Lake Perry. Over the summer, they....
1. Spent most weekends on their boat
2. Also sailed their 19ft day sailor s/v Riot
3. Enjoyed seeing lake friends again
4. All of the above.