2020 has been a difficult year with the impacts of Covid-19 continuing to be felt throughout economies globally.

It's difficult to predict what 2021 is likely to be like economically, with government stimulus running its course in some countries.

It's been a privilege to support so many people across 2020 and we look forward to confronting the challenges of 2021 with you.

Best wishes for the year ahead,

Sophia & Dimitri