In the last eight months the coronavirus has changed the world, cutting a swathe of death, illness and economic chaos across the globe.
Lockdowns were applied in many countries, millions of people lost their jobs, and economies recorded their sharpest crashes ever.
Fortunately, for a number of reasons, we believe the worst is over. The virus is coming under control, and the world is moving back towards normal.
Read our latest white paper to find out why we think the worst is over and what this means for us.