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Eligibility criteria apply. Hello and welcome to a very merry money talks. We're taking a break from the news of the week, look back over the peaks and

troughs of the past year in business, finance and economics.

I'm Philip Coggin, but readers might know me as Bartleby for my weekly column on the world of work, a world many of us will mercifully be escaping for a few days, and I've lured three of the finest away from the pre-Christmas

chaos with the promise of mold wine, mince pies and chocolate coins.

Here and ready to unpick the threads of the year are Patrick Fowles our business affairs editor.

Hi Phil, great to be here.

Helen Joyce, our finance editor.

Hi Phil.

And last but certainly not least, Henry Chicks, Schumpeter Columnist.

Hello Phil.

Okay, so let's get the ball rolling with the stories of the year.

We want to hear the events, trends and revelations that shape the past 12 months on your

different beats. So Helen, let's start with you. What have you brought along for us

...