What a difference a couple of month's can make. In February we were wondering how long the bull market would last. The markets were getting a little expensive, but there wasn't something obvious that would cause the markets to drop substantially. Then along came an invisible bug that we now call COVID 19 and it changed the world we live in in a major way. I believe we will get this bug contained and people will get back to work and businesses will open again. It may take a little while, but it will happen. Please stay safe and positive.