I have bills to pay the first part of the month. We depend on chance to get our mail and sometimes I do not get check to send it to the bank before the 8th or 10th of the month or later. Last month I thought they were sending it to the bank as usual but about the 8th or 9th I got check by mail and had the pleasure of getting my checks back, or some of them. I believe the checks are usually sent before Christmas. I hope mine will be this [year?] for I need it. Sincerely Earl Douglass