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As we look back at the stunning and historic events of 2008 and try to see some positives for 2009, most people agree that we're facing the worst economy in decades with no quick recovery in sight. The numbers reported for bankruptcy filings, foreclosures, and job cuts have been staggering.

Our newly elected president faces a monumental task in bringing the country back to an even keel. At press time, Barack Obama was hard at work on transition planning and picking his team of advisors. After his Jan. 20 inauguration, many observers expect him to move quickly to reverse some controversial policies of the Bush administration. Expect to see changes in financial guidelines, …