It’s the holiday season and many folks are opting for email messages expressing greetings, regards, and best wishes to others. Of course, with all this personal email zooming around, it is likely that the strictest anti-spam settings will pick off some of it, thinking it is spam. And on the other side, I have already received emails that begin with a Christmas greeting (how nice of them) and end with a request to confirm the mortgage that I never applied for.