Hi Peggy:

Woe is us for missing your birthday but after viewing your photo, Penny and I couldn't miss seeing how happy you are being amongst your friends. I must say in all sincerity that you look radiant.

May we be the first to wish you a very happy birthday in 2012!

Cheers! Ray & Penny
p.s.: Is that Al seated to your right? If it is, say hello to him and Phyliss for us, please.