This is a perfect time of the year to talk about one our most important business sectors. The retail landscape is changing dramatically. According to the U.S. Census Bureau, more than 10% of all retail sales dollars now occur online and that number has grown from 4% in 2010. In certain product categories, that number is much higher. A recent Fortune Magazine survey revealed 51% of consumer goods shoppers now make their purchases online. The numbers are substantially lower for major ticket items