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Hi, everybody. It’s the most wonderful time of the year. Not just for spreading holiday cheer – but also for list makers. You’ve got wish lists; Santa’s list; and of course, a blizzard of year-in-review lists. So I decided to get in on the action. <br> <br>As a nation, we face big challenges. But in the spirit of 2015 retiree David Letterman, here – in no particular order – are my top 10 things that happened in 2015 that should make every American optimistic about 2016.<br> <br>Number ten: The economy. Over the past 12 months, our businesses have created 2.5 million new jobs. In all, they’ve added 13.7 million new jobs over a 69-month streak of job growth. And the unemployment rate has fallen to 5 percent – the lowest it’s been in almost eight years.<br> <br>Number nine: More Americans are getting health coverage. The rate of the uninsured in America dropped below 10 percent for the first time ever. In all, 17.6 million people and climbing have gained coverage as the Affordable Care Ac...