Dear Friends, It's the most wonderful time fo the year. Or is it? For many they may be alone, isolated or forgotten. It is also a very tiring time of the year. Pressure is on people to buy the best gifts, spend more than they have, meet the demands of family and friends. Sometimes, for some, it is a relief when it is all over! It is also the darkest time of the year for many. The winter nights in the UK draw in, the financial burdens can leave many in spiralling debt, and get