Carol,
       It is very appropriate for this time of year that you posed this question, and it is especially relevant for me. In exactly 2 weeks, we Jews will be celebrating the High Holidays of Rosh Hashana and 10 days after that, Yom Kippur. This period is a time for introspection, reflection and repentance for our sins of the previous years, not only against God but against our fellow human beings. During these holidays, also known as the "Days of Awe", God opens the books, or to bring this into the 21st century, replays the DVDs and video tapes of our behavior during the previous year. Based upon the evidence contained therein God decides what kind of a year we are going to have and most important, whether we will live or die during the coming year. Being fallable human beings, we have to assume that our actions during the previous year were not nearly what God expected out of us. Therefore many Rabbis will ask from the pulpit, " If you had fore-knowledge about the consequences of your actions during the previous year, especially the effects that they would have on your fellow human beings (insults, hurt feelings, etc.), would you still have committed those actions, or would you have changed them for the better ?" You have posed the exact same question to start this thread. My answer would be, I would definitely have changed many things that I have done during my life and done things a lot differently. SOL ZELLER