Whether you are a passionate 'leaver' or 'remainer', most people should be able to agree that a no-deal Brexit looks more likely under the new government of Boris Johnson than it did under Theresa May, so the importance of being prepared has grown too.

It is still not certain whether a no-deal will happen as the political and constitutional pathways remain unclear. Note also that a no-deal does not rule out a future free trade agreement with the EU, but this, and most other agreements, will take time to put in place.