nothing says fall like a warm cup of apple cider on a brisk day! we’re in the same place, but the characters are new. needless to say, you won’t use the vast majority of your thoughts. james owned a $250,000 universal life policy that was originally obtained for income protection, which he no longer needed since he had retired from the business. i was surprised to see how many people pay with cash or debit cards. a creamy rich flavor combination of pumpkin and spices. 