At this time of the year, you don’t need a calendar to know that it is August and that means only one thing… back to school. Office Max and Staples started running back to school ads 10 days ago. Take a walk through the mall this past weekend when it was a real feel temperature of 110 outside? That’s right, sweaters are on sale. In the insurance business, believe it or not, carriers start advertising for insurance for snow removal. What does all of this mean? The more relaxed schedules of the summer are all about to change. No more sleeping in for children. Time to start to pack lunches again. It means our morning commutes will now be filled with school buses and congestion.