2020 will be a year etched in our memories. It’s been a year that has fundamentally challenged long established norms about what we think is safe and normal. While we pray for the good health and wishes for our Leaders, families, friends and colleagues; I would also like to send my heartfelt greetings to all the front-line heroes, who work tirelessly to keep us healthy and safe. Thank you all and wish you a happy and healthy new year.