Making forecasts, is a thankless task. Yet, not making forecasts is not an option. The coming years ahead resemble a flock of black swans.

There has been a flock of “black swans” in the last years bombarding business and private households with...

As an optimist, I like to cheer up my clients and the public by saying that even though 2023 is going to be tougher than 2022, it would...