The only predictable thing in this universe of ours is the unpredictable, hence we have two choices, either sit tight and brace ourselves for the unexpected or better yet prepare for it. Some of these tremors strike without warning, sneaking up on you, while others advance with the inevitability of a marching army. Even those that are fully anticipated are laced with wild cards, dotted with uncharted territories, and come packaged with unforeseen challenges that confound our best-laid plans.