The news these days is dreary, so I will try to distract our readers. Yesterday, unannounced and unexplained, there arrived in our mailbox a nice-looking envelope from the IRS, showing the right colors through the window. Oh, Happy Days, indeed. The check says it's a refund and that there's interest included. Other than that, we know nothing but we are $4.10 to the good. I hear that Schwab is thinking about offering fractional shares...or I could seek some free counsel here. Such a high-class problem!