As we enter the New Year we also enter a profoundly changed administration, perhaps reflecting a profoundly changed population - even more changed than most people can imagine.

What is our most important stewardship? As we enter the New Year, most of us will undertake a review of our plans and priorities: we will review our finances and other challenges with a fresh and unencumbered perspective. But how should we "rank order" the competing demands on our time and resources?