As an employee benefits professional with a major share of your time tied up in health insurance, it is easy to focus on all the challenges in front of you. The Supreme Court upheld the constitutionality of the Patient Protection and Affordable Care Act; the Presidential election ensured PPACA is here to stay; federal income taxes are going up; and the economy continues to struggle.

How can you turn lemons into lemonade? Live an attitude of gratitude and try to remember that challenges bring opportunities, and no matter how bad you think you have it, someone else usually has it worse.

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