It dominates the newspapers, the TV, the radio, government and has invaded almost every home in the developed world. No one gets a prize for guessing what 'it' might be. Everyone is pointing fingers, the government is under fire and we're being bombarded with conflicting facts, opinions and advice. But a few days ago on BBC Radio 4's Any questions?, the following very good point was made: part of the solution involves every individual taking personal responsibility for their own finances. Here endeth the economic lecture, but this has two consequences for those who love wine.
One, we have...
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