“Skate to where the puck is going and not where it has been” is a famous quote of the great hockey player Wayne Gretzky. How should we think about life in the world after Covid? Many experts believe that we will have beaten Covid within the next one to two years. Now, that's a long period of time, but it's important to keep that timeframe in perspective because it's only about as long as most people spend getting a master’s degree. So, I think it begs the question, what are you doing now to prepare for the roaring 20s? You certainly won't be locked up at home for the next decade. Over the long run nearly everything will return to its pre Covid norms. Are you skating to where the puck is going?