As trust and confidence breaking as 2008 has been, there are far worse years to forget. In fact, as I accentuate the positive and eliminate the negative, relatively speaking 2008 was a pretty darn good year -- both worldwide and personally.

My wishes that your 2009 be at least as good as 2008 and no worse. If these wishes are fulfilled, you will have a great year.

Happy New Year,
andy t. a.

Thank you, Andy the Spin Doctor.

You are right that some of 2008 was good.

I will try to keep a positive outlook on what the legacy of 2008 may be. As former President Will Rogers said, 'Worryin' is like paying interest on a debt you ain't got yet.'

Thanks to everyone on the boards. I hope 2009 is the best year ever for all of you.

the same to all,
here's wishing God grant all a wonderful new year

Happy New Year!

Andy t a,

I do appreciate the sentiments, but you are violating the actuarial code by being optiimistic. Have you not taken the Pessimism exam yet?

RCK,
FSA, EA