First and foremost, the entire staff here at EBA wishes you a relaxing and joyful holiday season, and a very Merry Christmas. We thank you for sticking with us throughout 2010 (you are our customers, if you didn't realize it), and we wish you a happy and prosperous New Year in 2011.

Speaking of next year, let's all take a deep breath - we're on the cusp of a year that, as unlikely as this sounds, may eclipse 2010 in its unpredictability and turmoil. When the 112th Congress convenes in January, attention will focus on Capitol Hill and the GOP campaign pledge to "repeal and replace" the Patient Protection and Affordable Care Act.

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