The great advantage of having retired, is the time and opportunity it provides to see how things could be improved. The first observation relates to the ability to compare progress – or otherwise – over time. One unfortunate example is the very obvious increase in inequality. I can remember, back in the UK in the 1950s and ’60s, that the top tax rate was 90%. Should any modern government seek to raise tax rates to such a level nowadays, all hell would break loose!