by Bob FrankoTwo years ago, as the economy was beginning to recover, I wrote about “The Start of a Virtuous Cycle.” Last year, I said the future looked bright for 2012. Looking back, both articles were pretty much on point. Things turned around in 2011, and then we looked back on 2012 and marveled at how far we had come, despite the rocky feeling we had along the way.Now we face






