We trust you’ve had a good break over Christmas and have been enjoying the summer weather.  Our first newsletter for 2015 includes our traditional “From the Beach” article, with our assessment of some important issues for the economy over the coming year.  The economy may not have quite the same momentum heading into 2015 as it did a year ago, suggesting that trading conditions might not be quite as rosy in the year ahead, but we’re far from doom and gloom about prospects for the next 12 months.

Also in our latest edition are a couple of opinion pieces we’ve written recently on student loans and fireworks.