Well, here it is and as we look behind us and look before us we shouldn't be too pessimistic. We haven't arrived anywhere yet, but the helm is on generally the correct heading. On the positive side:-
Public spending; Still a long way to go to claw-back the insane tsunami of money we didn't have that was thrown into the pot by mentally-challenged Brown and Balls but welfare changes, particularly to HB and the end of tax credits to come in 2013 will start to put the bite on. Capital investment to keep the construction sector intact and competitive would be welcome in areas other than housing. More pressure needed on civil service numbers and the NHS still needs to cut its bad cholesterol and cut down on excessive paying.
Banks; The government need to maintain a hard line on the retail-investment banking split and advance the programme. Fines and penalties for wrongdoing are good where these eat heavily into bonuses, but bankers still need to be in prison in significant numbers. As more and more retail customers flee the big five the assets of smaller competitors unencumbered by hidden liabilities will grow and help free us from the sclerotic lending ability of the big five.
Europe; The realisation that the UK's relationship with the Eurozone needs radical reform is now general and we are entering the debate phase during which there will be much heat and noise generated. The prospect of UKIP sweeping the board at the 2014 Euro election will paradoxically aid Cameron enormously in negotiations. And I wouldn't get too stuck on Article 50 and the in/out or nothing argument; we're playing big boys games here.
Energy; Still an incredible mess but a dawning comprehension that bloody windmills aren't the answer is gaining traction. A free for all on shale gas with an investment bubble in the small innovative exploiters who will bear the risk and most of which will go bust will get the thing going before the big boys step in to take over.
Education; Gove's work with schools can't be faulted, the fake colleges are also rapidly being wound-up and with them the overseas fake students and Blair's lunatic university boom is starting to settle back to sustainable levels. Both apprenticeships and entry via Articles to law and accountancy are rightly experiencing a rebirth.
Devolution & Localism; With the welcome prospect of a 'No' from Scotland in 2014 to outright independence we'll be into 'Devo Max' country - and the rest of the UK may have to thank the Scots for leading the way into real and meaningful Localism.After Scotland, Wales - and then Devo Max for the English regions.
Policing; The battle is now on between the supporters of a national police service under the Home Secretary, long promoted by ACPO, formed of an elite of specially selected and highly rewarded officers living separate lives from the rest of us, and local police forces under civilian control with local pay and rewards and officers who are part of the local communities. Again, the debate will generate much heat and sound.
On the less positive side, areas of concern include:-
Defence; Maintaining an expeditionary force, a reserve army, and naval strength to defend the sea-lanes and support expeditionary operations is an absolute defence minimum. We are at real risk of failing, and with no prospect of change
Personal Liberty; Nannying shows no sign of abating. The bonfire of the quangos hasn't happened and the fake charities that campaign to restrict personal liberty are still being funded by government. Computer snooping is back on the agenda and no doubt they are looking for a way in which to reintroduce ID cards. We need to cull more civil servants, more environmental health officers and all of the fake charities to have an impact here - with no sign of a willingness to do so from Cameron's government.
Anyway, 2013 promises to be an interesting year. May it be a good one for all of you.