As 2014 drew to a close, I became one of the last baby boomers to turn 50. Or possibly, I became one of the first Generation Xers to reach that milestone. Depending where you draw the line, either I am about to enjoy the fruits of half a century of increasing affluence and entitlement, having climbed to the top of the hierarchy I help sustain; or I am entering a period of resentment about my smug elders’ lockhold on the best jobs and homes and the damage they have inflicted on the environment and humankind.

I am part of Generation Cusp. Businesses that treat me as a boomer will vex me with advertisements for products intended for grumpy pensioners (the oldest members of the postwar birth bulge are now in their late 60s), while those that market to me as a Gen Xer will annoy me by assuming I have something in common with overambitious 30-somethings.

Such generational generalisations are only the crudest way companies decide what to sell and how to sell it. But much as I hate the stereotyping, there are good reasons why this will not be the year the personalised product and the personalised pitch come of age.