The next generation has arrived. This is William John Terminella, Wil, the son of Kevin and Heather, Kevin being my sister's eldest.
This photo was taken at 4 months. Look closely. Examine the expression on Wil's face. I was probably 30 by the time I learned how to arch my eyebrows like that.
That kid on E*Trade had better be looking over his shoulder.
Kevin and Heather, lotsa luck keeping up with this one.