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Happy New Year, Wall Street

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If you’ve never made a New Year’s resolution, you’re in the minority: One 2006 study found that more than 80 percent of those surveyed had once promised to, say, eat, smoke or spend less after Jan. 1. Unfortunately, research also shows that 80 percent of these resolvers fail. Why do they make promises they can’t keep? It’s new year optimism, the idea that, whatever happened between February and December, things will be better in January.

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