I'm 47 years old this year and I just reviewed what I wrote on Christmas Day last year. I think for most of us, 2021 is a big disappointment, my revenues dropped like a ton of bricks which is sort of expected, but so far investment gains largely negated the loss of sales. What is frustrating is that despite vaccines, travel has not resumed, and I can't really bring my mum to visit relatives in Malaysia this year. I don't have a lot of wishes this year. I should be launching a new programme in 2022 and then it's basically hoping for the best that we recover from the pandemic and travel resumes. I'm cautiously optimistic that once Paxlovid gets deployed in Singapore, we will see the end of the pandemic as hospitalization rates drop by 88%. The truth of the matter is that I have a lot hinged on the COVID-19 pill and Singapore's recovery, investments inclusive....