How bad can it be? Predictions for 2023 have been universally miserable. Even if inflation and interest rates stop rising, there’s no pundit out there who believes consumers, homebuyers, investors or business owners will be cracking open the Mayerling brut rosé recommended below in 12 months’ time and saying: ‘Phew, that was tough but I feel great about 2024, so pull my cracker and I’ll put my paper hat on.