Although word from the Greenwich Prime Meridian insists that it's required to hang around a a little longer via a “leap second” (http://www.chicagotribune.com/business/sns-ap-eu-britain-time-to-change,0,6973696.story), 2008 is almost gone.

And good riddance. Although there's been no lack of stuff to write about this year, from Eliot Spitzer to AIG, 2008 for the most part has been the kind of year most of us would like to forget.

And early signals seem to indicate that 2009 could be shaping up to be just as “interesting,” in the Chinese curse sense. Last week while decompressing with my kids in San Antonio, I sneaked a peek at the Crackberry to learn that the FTC was sniffing around nine insurers about their use of credit-based insurance scores for home insurance, citing concern about bias against minorities.

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