Ho, ho, hold on a minute! Can this really be the last episode of 2016? You're damn right - but what a Christmas cracker it is! We've got our ghosts of Financial Services Past, Present and Future, as well as a chat with money blogger extraordinaire Andy Webb, who runs the UK's biggest and best network for people who scribble about cash. Aaaand we've got an extra special festive twist on our beers of the week. Grab a mince pie and a sherry and tune in!