As we turn the page on 2020 with the profound uncertainty of its problems stubbornly following us into 2021, we are all certain of one thing, we will never be the same. Throughout the journey of our lives and careers we are shaped, taught, and often hardened by the totality of our respective experiences. By that measure, 2020 is likely to be one of the most consequential years of many of our lives and one that will forever influence our individual perspectives on life and the relationships we have with our families, friends, employers and government. With sincere respect for the personal experiences and reflections of individual readers, we will not be so presumptuous to even begin to attempt to generalize what those individual takeaways will be or how they will shape our collective culture. In pivoting to economic and market related impacts, we simply acknowledge and accept that the COVID-19 chart below is sure to endure as 2020’s “chart of the year.” All other influences - economic, social, and political – started here.