(Editor’s note: This commentary will take time off during the holidays to spend more time with family and friends. I’d like to thank all of you who have read this blog the past five years and particularly to those who take time to comment, whether you agree or disagree. I hope all of you have a very happy Christmas and a prosperous New Year. I will resume Friday, January 4. If you have an issue you think I should explore please do not hesitate to contact me at email@example.com).