2016 in hindsight

Since time immemorial, humankind has tried to predict the future, usually with limited success and yet we keep trying.  Sometimes we are close and other times we are not.  The truth is that nobody can predict what will happen tomorrow. In January of this year, I provided my predictions for retail in 2016 as follows. The oil price would probably stay ‘low’ for 2016 and the dollars saved by households would benefit retailers. The AUD would probably hover in the early 70’s for most of the

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