Expect the unexpected was the order of the day when we reflect on the past few years. Globally, it has been an interesting ride punctuated with challenges and innovation.

When I was making my predictions for 2022, I certainly didn’t foresee the shocking invasion of Ukraine and the heart-breaking impact on the people that live there, at the same time leaving the global economy reeling from market shocks, diminished food security, and spiralling energy prices.