The Christmas season has now well and truly begun and there are fewer than thirty days to go to the start of 2018. For some of you, particularly those in the consumer goods business, this is an extremely busy time at work, the busiest of the year perhaps. For others, this will be a time of busy activity on the personal front preparing for the upcoming holidays and commitments with family and friends. For all of us, it is a time when it can be difficult to look beyond the present moment.