It started strongly, with stock markets at all-time highs and unemployment near record lows. But by mid-March, a new coronavirus had reached North America after emerging overseas in late 2019.

I hope this month’s post finds you doing well despite the second wave of COVID. It had been a terrific summer for the Atlantic bubble and the experts warned us that it would not last. Such is life, nothing lasts forever.

You have been hearing several new terms in recent months, frankly, like it or not, we must accept them. Some of the terms include, “essential services”, “asymptomatic”, “social distancing”, “flattening the curve”, and the “new normal”.