I know this isn't the coldest day we will have this winter, but it is the first really cold one of the season. The wind chill factor is expected to be below zero at times. I can hear the wind howling out there and see the tree branches being battered by it, and I'm glad I'm inside. Last year at this time, I would have been out driving and calling on customers. Suffice it to say, I'm glad I'm retired!