We hope you and your families are well and safe, and that your 2021 is off to a great start. Reflecting on 2020 and the challenges that came with it, we feel a renewed sense of hope that the tide is finally turning, and we are finally seeing that light at the end of the proverbial tunnel that seemed to elude us through the last year. During this time, we have been first-hand witnesses to the resilience of our partner-clients. To say we are impressed and proud of the manner in which they have juggled both professional and personal challenges would be an understatement.