There is no doubt that the past few years have been challenging for the CPCU Society and its constituent Chapters. The reaction - and likely the overreaction to covid, has changed society's behaviors in profound ways, many of which are not favorable to professional organizations, who traditionally used group activities as their way of operating. But people have an amazing ability to adapt. We have adapted by taking many of our activities online where that can be done, and people are gradually coming back to in-person social activities. Now we appear to be entering a period of economic challenges that affect everyone. That being said, there is no better time to be involved with a CPCU Chapter - the Valley Forge Chapter, probably the only one in the country where once you are a paid member, all of the educational and social events are no cost to you. It is the best way we can provide value to our members. We do this by prudent stewardship of our resources. Our educational and social events are high-quality, and worth your participation. The state of the Valley Forge CPCU Chapter remains strong, but we are only as strong as our membership. We rely on our membership for financial support and volunteerism to mantain our mission to promote and maintain professional in the property / casualty industry. Our industry is not one where a union exists to represent our interests, and I am not suggesting we have one. But the CPCU Society is what we do have to represent our interests, so it merits your support if for no other reason than that. We not only ask that you renew your membership when that come up each year, but also to promote membership in the CPCU Society and Valley Forge Chapter to coworkers, business associates, and anyone who has a vested interest in this industry. The new Pathways membership does not require that one hold the CPCU designation, and yet provides all of the benefits of membership. We have a full year of activities planned for 2023 that are well worth your consideration, and we look forward to seeing you there.