It would be difficult to single out a more disruptive transformation in the last two decades, globally, than the penetration of the mobile phone and digital technologies in our daily lives.

In 1811 in Nottingham, England, a mob of angry blue-collar workers attacked factories and destroyed machines, protesting the use of automated pattern weaving systems that were displacing them from their textile manufacturing jobs and depriving them of their livelihood.

Demographics have caused famous investors like Bill Gross to warn of a headwind to markets, with slower economic growth becoming the ‘new normal’ just as much as grey hairs come with age.