So this is it. We are coming to the end of 2016. We are coming to the end of the world, aren't we? Has it been a bad year? I have enjoyed many good cups of coffee. I have also had to drink some bad cups of coffee. The voters of Britain in a non-binding referendum voted to leave the EU without really knowing what the EU was nor that their vote was non-binding, nor, even, that their vote would make a difference either way.