Dear Members – As 2012 draws to an end, most of us are still looking for answers to the confusing, disappointing, dangerous and just plain weird events of the past year. Regulatory, legal and accounting issues which directly affect our businesses will all undergo significant changes in 2013 – some as a direct result of the MF Global and PFGBest failures. This issue of the NIBA newsletter includes information that we hope will help you prepare for a better year ahead. In addition to the articles, NIBA is happy to announce a co-sponsored event in southern California with the CME…