Happy New Year, and welcome to 2016. Since this is January, it is New Year’s resolution time. As Mark Twain said, “Now is the accepted time to make your regular annual good resolutions. Next week you can begin paving hell with them as usual.” Hopefully you were able to meet your goals for 2015 and not just pave hell with them. While I did meet a few of mine, I’m sure there are a few miles of road down there paved with my name over the years.
 
We all have our personal goals, such as “lose 10 ...