Herd mentality among humans is amply demonstrated in family, sport and business, but collective self-interest becomes more threatening in politics and particularly in international relations. Developing an individual perspective on life is central to freedom, but it needs to be accompanied by a generosity of spirit in order to respect the right of 'each to their own' among others. Background music: 'Freedom' by Dan Lebowitz

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Our fast-moving world throws up continual challenges; genetic modification is among the latest, and we continually need to contend with the rights and wrongs of Artificial Intelligence. Setting limits is a key part of modern life: not everything that can be done, should be done. In respect of climate change, western democracies struggled hard to set limits in the first place; but they have found it even harder to maintain a consistent focus when political allegiances change. Environmental degradation is particularly threatened by such oscillations. Background music: 'People Watching' by Sir Cubworth

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Italy is not alone in experiencing a massive fall in its birth rate over recent years: so has the United Kingdom. Lowering the voting age to 16 is all very well, but it needs to be accompanied by a raft of co-ordinated policies to help young adults towards family formation and independent living. Rural villages, where house prices are so often well out of reach for young people, provide a clear litmus test of whether these policies are working. Do you remember mortgage interest rate tax relief, or when university life didn't end in heavyweight student debt? We need a coordinated policy framework to improve conditions for young adults. Background music: 'Folk Tap Harp' by Unicorn Heads

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The debate over Cash ISA limits and the need to re-invigorate public interest in UK stock market investing has re-awoken people's ongoing approach to risk and reward, as if it's an 'either/or' question for your finances. However the Child Trust Fund scheme has shown the real benefit of long-term stock market investment — the challenge for this huge initiative taken by the previous Labour Government is to ensure that it gets delivered in cash at the right time for low-income young adults.

Chart link for unclaimed HMRC-allocated accounts

Background music: 'Everything Has a Beginning' by Joel Cummins

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A comment article in The Times last Friday was headed, 'Starmer and Reeves must change to survive' — but which way? The backbench Labour MP uprising called for even more State spending, but the bond market and the July 22nd ‘Cost of Government Day’ say no — the public sector is already much too big. Of more concern is their preference to go for the 'stick' of welfare reduction rather than the 'carrot' of empowerment through individual ownership and freedom for all, drawing a sharp contrast between this Labour Government and that of Tony Blair and Gordon Brown two decades ago. Background music: 'Hopeful Freedom' by Asher Fulero

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The English language does a real dis-service to Love. How can we use the same word to show our appreciation of ice cream as to define the nature of God — and everything in between? But the driving passion which is often described by the word love is often more about control. In contrast, we turn once again to 'The Prophet' by Kahlil Gibran to find his definition, which is much better phrased in terms of mutual trust and respect: both of which could significantly benefit inter-faith relations. Background music: 'Young And Old Know Love' by Puddle of Infinity

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In ancient Roman religion and mythology Mars was the God of War but, judging by the fact that almost all wars in our modern age have their origins in disputes and disagreements over faith, you could be forgiven for thinking that Mars was still in the ascendant today. The difference is, today's wars can literally bring life on earth to a close. However almost all religions have love and peace at their heart; initiatives such as the 'Common Word' prepared in 2007 by leading Muslim scholars and teachers reflect Jesus's teaching to 'love your enemies and pray for those who persecute you'. This very irenic and ecumenical document is in ironic contrast with today's Iranian conflict. Background music: 'Beauty for Brokenness' by Graham Kendrick

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The Chancellor was like a person sitting on the cliff-edge of colossal public debt last week, convinced that her massive 'investment' commitments can overlook the void below. It appears that economic stimulation is the only game in town for the British economy, and even that seems to avoid joined-up thinking in some key areas. Background music: 'Ether Oar' by The Whole Other

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Author of 'Capitalism in the 21st Century' Thomas Piketty proposes an unconditional 'inheritance' endowment for all young people on reaching 25 years of age. Grants often appear to offer instant solutions to problems of inequality, but unless they are accompanied by conditional incentivised learning they will not achieve inter-generational rebalancing. In contrast, Muhammad Yunus has built accountability into his design for micro-finance, thereby enabling young people to look forward with a constructive approach towards achieving their potential in our fast-changing world. Attitudinal transformation takes time and commitment to take hold, but it does achieve results. Background music: 'World's Sunrise' by1 Jimena Contreras

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On 11th June UK Chancellor Rachel Reeves presents her Spending Review against the backdrop of a gargantuan public debt liability which is costing the UK taxpayer £111 billion a year in interest. Further tax rises have been ruled out, so she needs to identify achievable, structural reductions in spending. Elon Musk thought he'd done just that as head of the U.S. Department of Government Efficiency (DOGE), but only a small fraction of his planned reductions were achieved. In the UK at least we can break away from welfare universality — but will she do it? Background music: 'Dark Alley Deals' by Aaron Kenny

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