It's that time of year again. Everyone is busy getting ready for the holidays, sending Rosh Hashana cards, sharing their thoughts and wishes with their friends and loved ones. There is an optimism and hope when looking ahead to a new year, a year full of new opportunities and possibilities. However, this time of year is also a time that we spend reflecting on the past, thinking about the difficulties we faced over the past year and worried about challenges that we may face in