We’re at the end of something that we can probably call a year of hell of this generation. The curse of living in interesting times never sounded as fitting, at least in my lifetime. Many of us have suffered during this year, financially, mentally and physically. And even now, at the very end of this year the global pandemic is at its peak with millions infected all around the world. World economy is at a brink of collapse and civil and political tensions in many places are reaching breaking points.It seems like we are nowhere near the end of this, but we can survive this. There is hope. Vaccines for the virus are now introduced in many counties and despite the enormous pressure doctors and nurses across the world are getting really good at fighting this threat. There is no doubt that this crisi revealed many, let's be generous and call them inefficiencies in political and financial systems across the world and there is no way that things will get back to normal once this is over.