As we begin to wind down for the year (and we hope that holds true for you), we wanted to take a moment to thank each of you for your support and to wish you and your loved ones a joyous holiday season and a terrific 2017.  We know that – in this era of increased regulatory scrutiny of disclaimers – many of you struggle with convincing your marketers to make their disclosures clear and conspicuous.  And so we present below our holiday gift to each of you.  We recently saw this great example of what a disclaimer looks like when the marketers affirmatively want the viewer to see it.  Keep it handy the next time you find yourself in a debate over disclaimers.

Happy holidays!

Amy and Randy