Vic Stewart, CFO at the Alchemist Bar and Restaurant Group, shares insights on the hospitality industry's challenges amid economic pressures. Tinneke Fricke, Senior Fund Manager at W1M, discusses how financial markets are adapting to shifting consumer trends and cybersecurity threats. James Wallace, owner of Nyewood Express, reveals the disruptive impact of the Jaguar Land Rover cyber attack on his repair garage. The conversation also explores the benefits of early rising on productivity and the implications of upcoming budget announcements.