I am sure that many of you are deep into the drama and excitement of the holiday season. There is so much to be done and so much to think about and consider that many can hardly think of anything else. However, when the excitement is over, our attention typically turns the closing of one year and the beginning of a new one.

This is a time typically reserved for reflection. We think back on the previous year, sometimes with a strong sense of accomplishment and sometimes with regrets for the things we didn