2011, what a year. In terms of events of historical importance, 2011 had it all. The frantic preparation for London hosting the Olympics, the devastation of the Japanese earthquake, the controversy of the phone hacking scandal, the panic of the summer riots and all the pomp and circumstance of the royal wedding, to name but a few. It was a year that will go down in history, that’s for sure. There was another important event in 2011 that I’ve not mentioned so far, and maybe not all of you would have heard of it. That is the creation and introduction of the Junior ISA!