We can close the books on another year – I hope 2014 treated you all well enough.  For me it was not the best of times, nor was it the worst of times and so I can’t complain too loudly.  It’s not that I don’t like to whine, you’ve all heard it often enough.  I’ll try to save it for when it really counts.  So here’s to a hopeful look forward to 2015 – may it be a Happy, Healthy, Prosperous year for us all!