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Good morning and welcome back! Happy third birthday to my delightful, sweet, opinionated, dinosaur-obsessed son. He's just the coolest person ever.

And researching today's newsletter I also learned that today is Ziggy Marley's birthday, which is wild because my son loves Ziggy Marley. So, as he would say, "I want to listen to 'Into Da Gwoove.'" Absolutely. Let's dive in . . .