Every business needs a contingency plan for Disability, the third D. Even the Constitution of the United States makes allowances for questions raised by presidential disability, which has happened a number of times throughout our history.

“Put your hand on a hot stove for a minute and it seems like an hour. Sit with a pretty girl for an hour and it seems like a minute. That’s relativity.” – Albert Einstein And yet, for those of us not blessed with an astronomical IQ, time does seem to be speeding up. I often compare the second half of a year to the second half of a gas tank. The first half seems to take forever; the second disappears in the blink of an eye. Which is how we find ourselves, ready or not, in October with the holidays staring us in the face.