Welcome to 2015! The New Year is a time to take stock of lessons learned in previous years and plan for the future; perfect to evaluate what is working well and not so well — in life and business. Understanding the past and trying to predict the future is what analytics is all about. Sometimes with careful analysis you can catch a single event, a tipping point (as Malcolm Gladwell famously wrote), which takes you in another direction. It could be a simple bold move such as an investment in