Part 1 of a 2-part blog 
This is a point of view and is intended to provoke some conversation. I suspect that most of you will agree with the broad themes covered in the blog – the critical point is when and not if these changes happen.

Part 1 is a state of the industry and where some likely opportunities might be.
In part 2, we will look at a ‘call to action’ (which you may or may not agree with!) – feedback is always welcome and maybe your ideas are better than mine.