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There have been winners and losers from the pandemic. We have learnt to shop online, learnt to order our food from UberEATS and Marley Spoon, and learnt the value of our health services. Who would have thought that, at one point in the pandemic, the go to commodity would be… toilet rolls? And yet US markets are at all-time highs whilst the virus still runs rampant. Maybe 2020 has just been a bad dream and 2021 will be a more ‘predictable’ year. Then again, perhaps not.

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