2020 has come and gone; a very challenging year for everyone. For businesses, however, it was a mixed bag as social distancing measures severely impacted a number of industries, particularly, hospitality, leisure and tourism. On the other hand, demand for household & electrical goods, digital & technology solutions, furniture & home improvement, was good, reflecting some consumers spending accumulated savings or substituting away from spending on socialising. As we launch, unarguably, the most a