Whew!  2020 is over and we can start the New Year with hope – a fresh approach to restoring life “as it was before.”  It is hard to imagine life before 2019 because no matter what – we have been changed forever.  So, we need to let go of whatever notion we have of pre-pandemic life.  A positive way to approach this new year is...

Let’s face it – we have all suffered (and are continuing to suffer) through an extraordinary time.  I know this is just another profound grasp of the obvious but the world is slowly recovering but with lots of changes and the continuing threat of a “relapse” or recurrence of the pandemic.  Our economy has been devastated and economic growth will occur slowly. We face significant...