I have lot of experience being a dissatisfied customer. Most recently, the bank made a mistake, and an extra $9,700 was removed from my account late one Friday night. The bank has admitted that something happened and has acknowledged that the same check was presented twice for payment and paid.
I used to make predictions for the new year every December. I stopped a few years ago because my predictions were usually way off. But because everyone else’s predictions are likely to be just as far off I can’t see the harm in making a few for 2018.