It took me some time to start writing the third part of this series. I wrote The reason is that COVID-19 turns out entirely different from what I was expecting back then. In February, the assumption I have is that COVID-19 will probably affect the world like how SARS did in 2003. Back in February, COVID-19 (it was not even declared as pandemic back then) was largely contained within China. People were expecting that the rest of the world would be safe from it. Little did we know that it's pretty much the opposite now with China on track to its pre-pandemic activity levels and much of the rest of the world in some sorts of lockdown (though most are easing the restrictions in the coming weeks). The economic impact of it is also far reaching. Who could forget about the stock market in March 2020? This is simply pure...