By Scott Ronalds

It’s been an eventful year, to say the least:

• From Putin to the Middle East to Scottish independence, politics ruled the headlines.
  
• Sports fans had plenty to talk about, from the Olympics to the World Cup to Tortorella.
  
• Economists were busy, watching the first female Chairperson take over the top spot at the U.S. Federal Reserve, and the price of oil slide 50%.
  
• Bond yields dropped lower and stock markets edged higher (to date).
  
• The Ebola fighters were Time Magazine’s Person of the Year.
  
• On the big screen, Hobbits, Hunger Games and Galaxy Guardians drew in the crowds.
  
• And the weather was wild, but the Kardashians were wilder.

It’s been a busy year around the office, too. In this year’s Holiday Letter, we reflect back on some of the highlights.

Happy Holidays!