It's The Time Of The Year -- HAPPY NEW YEAR 2020!

Dear Family and Friends

H A P P Y    N E W    YEAR !

I present to you a 12 Month Calendar

You may want to print this just as presented Year 2020 starting with January

or

set it up using the formulas as presented starting with any other month

and

also for any other year to suit your fancy and to suit your needs

W I T H    B E S T    W I S H E S !