To be honest, I'm not sure how I would feel with it being a Christmas card. I'm assuming you didn't get one from her at Christmas time. I don't think I would've thought about the germ factor at all, stupidity on my part? over-reaction on yours? I don't know. To me it just seems weird that you don't get a Christmas card from her at Christmas but that's what she send you now. Sorry, I know I wasn't any help at all.