It's that time of year again.  The end of the year.  For most, it's a time of reflection on the past year to make room for improvements in the new year.

Of course we want the new year to be better than the one before.  Life is a cycle of ups and down,  good things and not so good.  We all know this, but when we're hunkering at the bottom of not so good, it's hard to remember that things change.

Millions of people will make New Year's Resolutions tonight.  I don't d...