Joe Gill: Complacency is the real threat to Munster economy

In the wake of a tumultuous 2016, the next couple of weeks will provide the opportunity to reflect on the circumstances the Munster economy and its inhabitants face as they enter 2017.

There are many issues to ponder so my advice is to fire up the stove, arm yourself with a glass of mulled wine, and contemplate the following.

Like it or not, everyone has an individual responsibility to look after their own material needs.