At the end of 2019, we didn’t know the garbage fire that awaited us in the new year. On the eve of 2021, we’re at least aware of, if not prepared for, plenty of uncertainty that will lie ahead. People who like to state the obvious say the future is unknown, sure, but I think 2020 showed us there are definite degrees to that truth. One of the few absolutes we can count on next year is that Covid will continue to roil the markets. As for how, people have their guesses and ideas, but if you’re