The beginning of a new year is traditionally a time for reflection on recent events, the future, and possible resolutions for improvement. The economic and market environment has changed substantially over the last five years. Back in early 2010, the world was suffering from one of the worst recessions in modern times. Central Banks were in the midst of coordinating worldwide stimulus to jumpstart their economies, the equity markets were encompassed by skyrocketing unemployment and dwindling corporate profits and, to say the least, investors were frankly terrified. There was little, if any, optimism to be found.