By Amber Murray The final three months of the year, also known as the golden quarter, are make-or-break for retailers. Retail spending has consistently languished this year, or been propped up by margin-carving discounts, but pent-up demand is expected to give the sector a much-needed boost during the holidays, according to a panel of industry experts. Despite consumer confidence remaining volatile, there is consensus across retail experts that this golden quarter – which includes Black Friday, Cyber Monday and Christmas – is likely to be the strongest for retail health since the pandemic. Ret…