We wouldn't run our companies this way so why are we trying to lock down our lives with this type of terrible contract? And, oh by the way, New Year?s Resolutions don't work anyway with study after study showing as high as 90 percent fail in January. What could we do to almost guarantee that we would succeed with our New Year?s Resolutions? With Wall Street and Investment Banking?s language and terms, we will never lose a New Year's Resolution.