Let's not reinvent the wheel. In order to first challenge what exists, I must first try to understand it - at least as context. Preferably as part of a tradition of development in our field, which is the provision of excellent risk management within the scope of personal life and associated risks. Building on what we have enables me to make better decisions about what is required. Seth Godin has an excellent piece on this. That's one reason why I am looking forward to some extra reading time over the coming holidays. Anyone with recommendations for holiday reading that is connected to the financial services sector, I am keen to hear from you.