But I'm also clear about something else: for too long, immigration has been too high.

BBC: In full: David Cameron immigration speech

But it also has, by a long way, the most people too.

FORBES: Germany is *Not* Europe's Richest Country

Hopefully in the coming year, the Federal Reserve can find a happy medium between stimulating growth and not keeping rates too low for too long, and lenders will again open up credit lines but also hold borrowers to a higher standard.

FORBES: Now For A Taste Of Some Austrian Economics