Firstly, I hope you and your families are all safe and well. I just wanted to say the team are all settled and working from home and phone lines are redirected to all of us. Providers are adapting to staff working from home or having skeleton teams working at their offices but we are struggling to get hold of some offices so please bear with us. We have experienced huge turbulence in global markets prompted by the Coronavirus (COVID-19) pandemic and the spat between OPEC and Russia over oil production. This is the 3rd bear market of my career and what previous bear periods have taught me is that staying calm is vital and getting caught up in the fear and greed-inspired push and pull of volatile markets can be dangerous. No one can control markets, but we can control our own emotions – and when it comes to investment, this means falling back on a robust, consistent and a repeatable investment process.