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Jeff Hybiak, CFA

604 Posts New Kent, VA
Jeff joined SEM in October 1998. Outside of SEM, Jeff is part of the worship team at LifePointe Christian Church where he plays the keyboard and bass guitar. He also coaches a club soccer team.

Buckle Up! - MMM v5-1

It's hard to believe this is the 5th year of 'Monday Morning Musings'. This all started back in 2020 when there was so much happening I would post a 'brain dump' of all the things crossing my desk which I thought were important. Eventually the chaos of 2020 slowed down

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