As we count off the final minutes of 2008, the challenges of the new year can seem quite daunting.
Ahead are 365 unknowns. After a year of disappearing jobs, seesaw gasoline prices, a long and sometimes divisive presidential campaign, the continuing wars in Iraq and Afghanistan and the threat of economic collapse, it may be difficult to warmly embrace Baby New Year.
For some, the natural response is to ignore the realities and purchase an extra-strength pair of rose-colored glasses. For others, the turmoil calls for extreme caution and hiding inside their personal shell.