Here we are in mid Nov 2020, the year of the pandemic. Vacation travel has ground to a halt. Americans still are not allowed to fly to Europe. Cruise ships are still not allowed to sail from US ports without CDC approval, none of which has occurred. Most of the western world is seeing yet another surge of COVID 19 infections. Yet...maybe, just maybe there's a ray of hope. We've had good news on the vaccine front. The medical community has learned a lot about how to treat those that are infected and fatalities are way down. We've learned how the virus spreads and therefore what therapeutics and mitigation measures work best. Testing has become more widespread and effective. And the world is starting to learn how to live with the virus without the harsh shutdowns we all experienced early in 2020.