In this issue of the newsletter, join in our optimism for the coming year, ooh la la...how about an International idea for expressing your love on Valentine's day, is sitting too much affecting your health, what do you do in the dark without a flashlight and a bull, medical costs should be included in your financial planning, do your HR partners need Medicare superpowers, when your provider leaves your plan and you're holding the bill, a stolen wallet nightmare, and our client care team is always ready to help.