A New Year has come and it is time for us all to do the things we do every year. We drink something bubbly with family and friends. We watch the ball drop on our TVs and are glad we aren’t penned up behind barricades like the people in New York City. We sign up for health club plans we’ve never used after January. It’s a New Year, full of promise and opportunity to make it better than the year before. And every year, we dive in with refreshed optimism. So I wish you all, a Happy New Year.