The start of the year seems like an age ago. As a person whose life is spent meeting and interacting with people, having worked from home since March, I’d be lying to say it’s not been a struggle on occasion, but I sit here writing this article feeling fit and well and thinking of those not nearly as lucky as I have been. I am sure many reading this must feel the same. Thinking back, everybody hit the start of 2020 extremely positively, with many intermediaries and lenders reporting high volumes and being ahead of targets. Even when news started to get more serious about what the COVID-19 outlook could be, it was still very surreal.