I was awake at 4 am this morning (the boys slept through the night but I have not adjusted to their new schedule!), and I started thinking about what I was doing this time last year. One year ago I spent all day talking about bonds, interest rate curves, the Fed, premiums and discounts, collateralized debt obligations, the sub-prime market etc etc. Today, I talk baby talk all day!! But there is nothing greater in the world than seeing my babies smile or roll over. Here is a glimpse into our day...I am lifetime away from a year ago...and am loving every minute!!!