Table of Contents President’s Message: JPMorgan Chase/ACB Leadership Fellows, by Kim Charlson Further Currency Delays Raise Concerns Staying Connected in Minneapolis, by Janet Dickelman Does VR Agency Structure Matter? A Review of the Research on Outcomes for Blind and Visually Impaired Consumers Served in Separate vs. Combined Agencies Journeying Inside the Mind, by Larry P. Johnson Riding with Joy Turn Life’s Journey into a Joy Ride, by Larry P. Johnson My Journey toward Winning Friends and Influencing Others, by Kelsey Nicolay Why I Included ACB in My Estate Plans, by Dan Dillon Affiliate News Letter to the Editor Here and There, edited by Sharon Strzalkowski High Tech Swap Shop