As we start to settle into the New Year, and wish each other well for 2012, it is easy – when minds wander – to wonder what might happen over the next 12 months. The last year was full of uncertainty, and it seems there is no reason to think that this year will be any different. As far as financial matters are concerned, we are no more settled than we were last January, and within reason, anything could happen. Who would have imagined the changes that have occurred in the Middle East, for instance?
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