Firstly, may I wish all my readers seasonal greetings, hoping that all your Christmas preparations are going well! Most importantly, as most of us are the wrong side of pension age, I wish you the best of ongoing health!
Having written a couple of longish and quite technical pieces last month on AI and ETFs, I am going to offer a more leisurely and shorter read this month! The dive will not be so deep, more of a swim in interesting waters.

A question to which the answer may not appear to matter that much – but it does!
That question is:
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