Welcome to Upper Crest, Outlook Business’ annual Private Wealth Roundtable 2013.  It’s a great pleasure to have all of you again here. To start off, the one thing that really marked 2013 was that there were no new highs, no new lows. Except for the rupee, which misbehaved, it has been a sort of a year where the Sensex moved in a range of roughly 2,500 points, although within that range you saw sentiment swinging from moments of total despair to modest optimism.