It’s been one of the most challenging Years for most Business’s and individuals that most of us can remember and is unfortunately unlikely to get significantly easier for a while yet . However ,the arrival of a Vaccine(s) for Covid 19 brings hope that the end may be in sight ( whatever happens with Brexit ! ) and that all our lives can start to move forward again in 2021 ,hopefully with positive Lessons learnt from the Pandemic and put into action . By now .most People will have been ‘ touched ‘ by Covid 19 or know someone who has , and for many the Festive period will be very difficult. Enjoy it as best you can ,remember those who are no longer with us and fingers ( and toes ! ) crossed for a better 2021.