It's the Christmas Episode of the Just Williams podcast, and Duncan, Robert and John are channelling their inner Ebenezer as they are visited by the respective ghosts of the financial past, present and future.

This whistle-stop flight takes you through the historic decisions of global financial institutions that have been responsible for getting us to where we are today, the performance of client funds, the unease of different EU member states and the ongoing strikes over public-sector pay.

And they close it out with a look forward to 2023 and what we might expect will happen next.

Merry Christmas.