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2022 brought us two things: a bad market and some rule changes. First, the market. We’ll let you fill in your own description: “That was a really ________ market.” We wonder how many of you wouldn’t share with an eight-year-old what just came to mind. We don’t blame you! We peaked at the beginning of the year and never looked back as we slid slowly, painfully for nine months into bear market territory, with US stocks shedding 19.6% by December 31st. Remember the “Covid drop”? 35% in 33 days. Yet, last year felt worse as the slide just dragged on …