Happy New Year.  As we all reflect on 2008 and what is to come in 2009, I wish you health, happiness and success.  While everyone faces adversity in this difficult economy, I hope you are able to look beyond and rise above yours in 2009.  And may you enjoy a great New Year’s Day filled with family, friends, football, and, in my case at least, a big Chicago Blackhawks win in the Winter Classic.