Evan and his panel debate whether now is the time for companies to pursue big, ambitious ideas - or is it a time for more modest aspirations? They also discuss banking with the boss of retail banking at Royal Bank of Scotland, and take stock of the consumer sector in the run-up to Christmas. Joining Evan in the studio are Brian Hartzer, chief executive of RBS UK Retail, Wealth and Ulster; David Martin, chief executive of transport company Arriva; Nadim Ednan-Laperouse, founder and managing director of WOW toys.