“Change is the law of life and those who look only to the past or present are certain to miss the future.” —John F. Kennedy Change dominates life today and it is painful to work through the excesses of a generation of conspicuous consumption.   We have not seen such financial turmoil and economic uncertainty in our lifetimes and probably won’t again.  If we look to history to guide us through this we risk repeating mistakes or ignoring opportunities that will grow out of this mess.  One thing is certain; recessions end, balance sheets are restored and in time prosperity and security are the norm.