Christmas Morning

Early on Christmas morning (but not that early), Penelope awoke to her first Christmas.

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 Hard to tell if Mom or baby is more excited in their Christmas caps. 

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Penelope soon found herself dwarfed and surrounded by all the presents in the stockings.

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Just about everywhere was bursting with presents.  All eyes on Penelope!

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Penelope in her Christmas cracker hat.  

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Penelope and Mom in their Rudolph noses (everyone got one). 

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Penelope, along with everyone else,  had a great time opening presents and Penelope really loved her new toys and clothes.  Santa and everyone was very very nice to Penelope (and us too!).

 

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Penelope in her favorite present, her new Bumpo chair with her favorite fashion statement, one sock on, one sock off.

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Eventually the excitement of the day took its toll and Penelope took a nap, even before all the presents could be opened.  

In the middle of opening gifts, we had a wonderful breakfast.  Christmas morning was close to perfect and only marred by the absence of Grandpa and Grandma Margheim and Uncle Adam.  

Part two with the rest of Christmas coming soon…

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    in 1966, with the purpose to elevate the professionalism and success of
    the Appraisal Trade. The NAA has established an advisory group consisting of management on the state organizations and coalitions referred to as the Board of Governors where these states will help
    guide the NAA in acting in the very best interest of all appraisers.

    Openbravo may create and export reviews and information to several codecs, reminiscent of PDF and Microsoft Excel.
    LibrePOS was rebranded as Openbravo POS (or Openbravo Java POS).
    Property valuation within the UK is regulated by the
    Royal Institution of Chartered Surveyors (RICS), knowledgeable
    physique encompassing the entire building and property-related professions.
    In recent times, the Royal Institution of Chartered Surveyors
    (RICS) has develop into highly regarded in the United States, and has formed a collaboration with the Counselors of
    Real Property, a division of the Nationwide Association of
    Realtors.

  32. In October 2021, Kevin Weinman grew to become the establishment’s fifth president.
    The Marist Executive Middle encompasses the entire 14th ground of 420 Fifth Avenue in midtown Manhattan. In July 2022,
    Marist broke floor on a serious renovation and addition to the Dyson Center.

    In January 2019 a significant renovation and addition to the Steel Plant was
    completed. A study of driving habits of members from main carsharing
    organizations found an average decline in 27% of annual vehicle kilometres travelled (VKT).
    Beneath the precedence points system, college students accumulate a sure variety of factors from clubs, sports, and grade point average.
    The scholars with the lower factors choose final and aren’t at all times assured housing.
    In Fulton housing students all have their own room;
    there are eight students in a single townhouse with two bathrooms and
    a large kitchen and residing space. The area around the
    campus first appeared as a census-designated place (CDP) in the 2020
    U.S. As the salesmen continues to work their approach down the funnel — making first contact, evaluating options and negotiating costs — a lot of those preliminary leads will drop away.

    This church, now deconsecrated, was based in 1206 and for its first hundred years belonged to the
    Knights Templar.

  33. To register the providing, carriers usually want to offer some level of element of the investment selections within the
    policy. Due to its funding features, insurance carriers within the
    United States usually register choices of variable
    life insurance coverage with federal and state securities
    regulators. AMEV had initially been founded
    in Utrecht in 1920 as Algemeene Maatschappij tot Exploitatie van Verzekeringsmaatschappijen (English:
    Normal Society for Operation of Insurance coverage). In February 2007, it acquired Mexican insurer Seguros Cumbre SA
    de CV, whose net tangible property had been estimated at $26 million, and American insurer Common Casualty Insurance.

    QBE was listed on the Australian Securities Exchange in 1973 from the merger
    of three firms whose names signify the letters of the mixed company, Queensland Insurance coverage, Bankers’ and Traders’
    Insurance coverage Company, and Equitable Life and General Insurance coverage Co., and its founding chairman was J.
    D. O. Burns. In 2011, QBE purchased Balboa Insurance of California from the Bank of
    America. QBE gives commercial, private and specialty products
    and risk administration merchandise.

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    Cooperative members participate in manufacturing and distribution costs by buying shares in the cooperative and paying annual fees
    for the delivery of vegetables. CSAs usually deal with the production of high quality foods for a area people, often utilizing natural or biodynamic farming methods, and a shared risk
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    The first recognized direct attempt against a cost system, E-gold, occurred in June
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    mobilise, and on 15 December, in Italy, Eire and
    Portugal, O‘Leary recognised unions for the first time, blaming their good timing; he anticipated an uptick in labour costs in 2018,
    not altering its model. Emails from banks and bank
    card firms often embody partial account numbers, but analysis
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  38. This initiative aimed to educate the public on the crucial role of safely transporting hazardous materials by rail, highlighting the financial importance of this course of.
    Within the 2020 Forbes International 2000, Anglo American was ranked as the
    274th largest public firm in the world. Accepting payment from the
    rail company now would stop homeowners from pursuing future litigations in opposition to Norfolk Southern. These detectors are essential
    in identifying potential points before they turn into serious issues, thereby enhancing the overall safety of the rail operations.
    Norfolk Southern worked on several initiatives in East Palestine, together with renovating the
    historic practice depot, enhancing Metropolis
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    East Palestine City Park, and establishing a first
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    The chemical burn launched toxic contaminants into
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  40. 2008 disestablishments in Washington, D.C. Khoo Salma Nasution (2008).

    Solar Yat Sen in Penang. In Italy, Parmalat’s Calisto Tanzi was charged with monetary fraud and money laundering in 2008.
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    Based on an article in The brand new York Times, First Boston grew to become “the superstar of the Euromarkets” by buying
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    been pressured to purchase up shares held by
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    “Exploring a Transit-Oriented Improvement (TOD) Framework for Penang’s City Growth”
    (PDF). Yeong, Pey Jung (thirteen July 2021).
    “How Has the Pandemic Affected Penang’s Health Landscape? A Preliminary Research”
    (PDF). Nambiar, Predeep (three Could 2021). “Tale of a Tiger that Brought about a Penang Paper to close”.
    Opalyn Mok (17 Could 2017). “‘You Mean the World to Me’: Common Story but Unique Penang Experience”.

    Opalyn Mok (30 January 2019). “The Story of How Boria Evolved from a Ardour Play into Parody Theatre”.
    Wang, Yi (30 January 2023). “Discover Cultural Treasures in Chinese New Yr Celebration at Malaysia’s Penang”.
    Christopher Tan (30 January 2016). “Spicing Up the Island Aquatic Centre Guarantees Splashing Fun for Guests”.

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    On the time, its major competitor was Auspex Methods.
    When the White Company was not excited by producing tractors, Rollin got down to develop his own designs and, with brother Clarence,
    eventually founded Cleveland Motor Plow, which later
    turned Cletrac tractor. The corporate observe of medication is
    a deeply entrenched vice that has not been subjected to judicial assessment
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    This may be significantly increased by planting trees, together with within the non-rocky hills and mountains
    which entice underground water. Even the Taliban spiritual chief
    has lately called for planting extra bushes. After the Grand Coalition broke in Spring 2017 a
    snap election was proclaimed for October 2017. The Austrian Folks’s Get together (ÖVP) with
    its new young chief Sebastian Kurz emerged as the biggest party within the National
    Council, profitable 31.5% of votes and sixty two of the 183 seats.
    McNessor, Mike (December 2017). “Never Parked: 1936-39 White Buses”.
    Though the gradual “Indianisation” of the officer corps began after WWI, on the outbreak of conflict in 1939, there
    were no Indian flag, basic or air officers within the armed companies.

    There are such a lot of reasons that traders from all all over
    the world are displaying curiosity in the Indian stock market.
    This technique determines the worth of a agency by observing the prices of comparable
    firms (called “guideline companies”) that offered available in the market.
    One clarification might lie in the fact that because the housing map created winners (these proudly owning
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    In Amsterdam, British American Tobacco opened its important workplaces in 1966, the place a part of the collection was showcased in a gallery opened alongside it.
    The problem with the earlier format typically reported to
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    Survey and Valuation’ was that the structure didn’t easily distinguish the faults from the primary description. Photograph Editor included with Office XP, doesn’t support the
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    to students by means of an integration with Workplace Kinds.
    Microsoft Groups is a team collaboration application developed by Microsoft
    as part of the Microsoft 365 household of products, providing workspace chat and video conferencing, file storage,
    and integration of proprietary and third-party functions
    and companies. Microsoft Groups has integrations by
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    Teams Live Events replaces Skype Assembly Broadcast for customers to
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    These downbursts rely extra on the drag of precipitation for downward acceleration of parcels
    as properly as the adverse buoyancy which tend to drive “dry”
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  47. The 2 most intense vortices occurred north and east of the intersection of tenth Road and
    Radio Street, about three miles (4.8 km) southeast of El Reno.
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