At the end of the year, there will be a minor competition to see what 2016 was “the year of.” Depending on how the iPhone 7 does, it might be known as “the year the bloom finally came off the iPhone rose.” If Karen Webster is right, 2016 will be known as “the year mobile hit its inflection point.” The CFPB might tell you that 2016 was “the year Wells Fargo proved that it is an essential regulator.” The nation’s physical retailers might tell you it was “the year that they heard fewer pitter-patters of consumer feet than ever.”