We can't afford to be caught unaware like this again. There is too much at stake: the country is in a housing crisis and needs housing associations to build homes, while millions of people around the country depend on them for shelter. These businesses need to be strong and must be able to weather even the harshest of storms.
When I was asked at age four, what I wanted to be when I grew up, I said: "Superman". I pursued this career choice with conviction. I wore the costume everywhere, to the shops, to friends' parties and under my school uniform, conflating expectations of my physical prowess and resulting in a very sore knee and a badly bruised ego.
If you haven't been paying attention to the news lately, artificial intelligence is on the rise. Robots manage 70% of the US stock trading volume, and if there ever was a company capable of bringing the concept to the masses, it is certainly Apple, who, coincidentally, made it the key marketing point of the iPhone.
The future is a scary concept. Whether you're a school leaver, the family breadwinner in the prime of your career, or about to enter retirement, it's natural to have concerns about the years to come. Money is the primary area of worry for most people, but there are simple and painless ways to prepare without winning the lottery.
2013 promises to be one of the most transformative in tech ever. In fact, it's already started with the industry's biggest annual circus, CES, which saw the introduction of curved OLEDs, 4K TVs and tablets, 1080p smartphones, a smorgasbord of smartphone-connected gizmos, self-driving cars and the evolution of motion control.