Another quarter has come to a close and with the end of the final quarter of 2020, a rather terrible year has ended too. It is probably a year which many would rather forget but we will probably remember this nightmare of a year for many years to come and for many reasons too. A full year of COVID-19 has imposed a new and rather unpleasant reality on all of us. This new reality is sticky and some of us are still trying to get used to it. In a nutshell, COVID-19 is a black swan event of pitch black intensity. COVID -19 has shown that things could go terribly wrong and we should not ever take the good things we have for granted. Indeed, the only constant in life is change. With the promise of multiple COVID-19 vaccines on the horizon, things are looking up and there is hope that COVID-19 will become a thing of the past soon....