I could give you even more, but these are my top three, and you do not have all afternoon. Actually, there is one more thing keeping me awake at night, which perhaps I should mention, and that is all the noise I keep hearing about cryptocurrencies, especially Bitcoin.
There is a lot of hype around Bitcoin, and markets are evolving quickly to allow wider access, including to retail investors. So perhaps you will allow me to make a couple of points. To begin with basics, the term “cryptocurrency” is a misnomer—“crypto,” yes, but “currency,” no.