Happy New Year – to you all. We have just been through a year like none we have ever known.  The pandemic, the racial tension, the protests and violence and the chaotic election cycle have all led to the disruption of our lives, creating new challenges, and even questioning our long-held beliefs.  People have died, 300,000, millions have lost their jobs, others have seen their savings disappear and we have all seen families and friends’ lives  pulled apart by social isolation and loneliness.  Still as in the past, we have demonstrated remarkable resilience in adapting to the circumstances around us. We have learned to use technology to make our lives easier, to stay connected and to reduce...