This has been a fascinating year and now it is drawing to its close. It is a time today to reflect back on the activities which have brought us to today.
Some of you will be planning and promising a new and vibrant year for 2019 and others will be glad this year has finished.
For me, I am neutral. I have had an okay year with its share of ups and downs but like most of you I want the New Year to be full of financial rewards, oh and good health and generally everything humming along nicely.
Tonight, when the fireworks light up the sky, think of tomorrow and a new beginning.