We do not always appreciate the role the Queen has played in one of the most significant changes in the past 60 years: the transformation of Britain into a multi-ethnic, multi-faith society. No one does interfaith better than the Royal family, and it starts with the Queen herself.

The wisest rule in investment is: when others are selling, buy. When others are buying, sell. Usually, of course, we do the opposite. When everyone else is buying, we assume they know something we don't, so we buy. Then people start selling, panic sets in, and we sell too.

We have lots of heroes today - sportsmen, supermodels, media personalities. They come, they have their 15 minutes of fame, and they go. But the influence of good teachers stays with us. They are the people who really shape our lives.

The twenty-first century is, and will remain, the Age of Insecurity.

Religion is the best antidote to the individualism of the consumer age. The idea that society can do without it flies in the face of history and, now, evolutionary biology.

Whole communities are growing up without fathers or male role models. Bringing up a family in the best of circumstances is not easy. To try to do it by placing the entire burden on women - 91% of single-parent families in Britain are headed by the mother, according to census data - is practically absurd and morally indefensible.

Peace can be agreed around the conference table, but unless it grows in ordinary hearts and minds, it does not last. It may not even begin