What a year it has been. While we all wish the hard times are over, let’s prepare for ‘high surf warnings’. As many of you know I am an optimist, and yet I like to prepare for the worst. Even when things are hard, I look for the silver lining. Looking back on 2020, myself and many of us have had to look with great care at 'what we care about most' and how we can and need to simplify our lives.