The twelve golden words from Sir John Templeton ring true every time - ‘The Four Most Expensive Words in English are, “This Time is Different”. One of my all-time favourite books is, “Extraordinary Popular Delusions and Madness of the Crowds”, by Charles Mackay. Originally written in 1841, this classic has timeless lessons. One particular sentence keeps coming back to me and there is no better time to revisit it, than now - “Every age has its peculiar folly—some scheme, project, or phantasy into which it plunges, spurred on either by the love of gain, the necessity of excitement, or the mere force of imitation.”