For most people, the fourth quarter is the end of the year. Not for me. My fourth quarter is what I consider the beginning of my year. I've always been busy as I can be in the fourth, first, and second quarters. And, I've always been dead in the third during June, July, and August. So for the last couple of decades September 15th is the end of my fiscal and mental year. And, just like in the spring when the first buds are appearing on the trees, around the middle to the end of September some retailer is starting to advertise something about Christmas and it shocks me back into reality and my entire routine and mindset change back to work again.