Few of us will be sorry to see the back of 2020. It was a year that tested all aspects of society. We express our deepest sympathies to the many families that lost loved ones to COVID-19 – a horrible and unrelenting disease.

It is a disease that has caused an unprecedented challenge over the past 10 months – mentally, physically and, for many, financially. The uncertainty that lies ahead for 2021 is resting heavy on many of our minds.