Clive Bibby: We are at a crossroads but the choices are clear.

As we begin a new year and try to put the old one behind us, we can reflect on the struggles we have endured - only some of which were the result of bad decision making.

Unfortunately, for those still contemplating an uncertain future, the time is not yet right being able to view the next 12 months with anything other than dread.

After all, most of those who are suffering unimaginable hardship are doing so not because of problems of their own making.