The JBA president David Curry wished members a Merry Christmas and prosperity in 2013. He reviewed challenges for small businesses in 2012 like payroll taxes and the carbon tax. The JBA appointed a new CEO, had staff changes, improved its website, held successful events, and raised state and federal issues for members. Major challenges for 2013 include economic slowing, the carbon tax's unknown costs, housing affordability, and adapting to the digital economy. The JBA's challenges include reengineering its model to provide value, assisting startups, reconnecting with stakeholders, working with other associations, growing membership, managing costs, and engaging members.