When the pandemic broke out in 2019, we had no idea how crazy this could get. I had always been a fairly optimistic person and I thought we should be done in 12 months, if not 18 months. The world will quickly revert to normal because humans are creatures of habit and we like to go back to our old ways of lives as soon as we can. This is why losing weight is so difficult and why we cannot really change and become something we are not. We are entering the third year into the pandemic now and things are not looking optimistic. New habits are now being formed which may replace old ones permanently. For instance, we may not need to meet everyone face to face going forward. Zoom or virtual meetings can easily become 50% of all our meetings going forward. So face to face will be saved for the most important, most precious counterparties....