None of us expected it. Many of us were ill-prepared. It took the world completely by surprise. And sadly many have had to pay a high price. I’m referring of course, to the Covid-19 pandemic that we first began to hear about around the start of 2020. From the outset, most of us, let’s be honest, thought little of it. We continued to go about our daily lives. And then the news reports began to get more serious, infections escalated, and the virus started to creep closer to our doors. Within weeks, the world was in turmoil, markets went into
