We have all lived through two unusual years. As we emerge into the Spring of 2022 we are in a quite different place. Whatever the Covid world was has metamorphosed into is a very challenging alternative. While we were keeping germs at bay, world economies faltered, as money was needed to help the communities who were locked down. The virus took much longer than anyone could have envisaged and the support had to continue. So, in simplistic terms the world is in a financial mess. As life gets back to semblance of normal the virus is still contagious and affects hundreds of people every week. They may not need hospitalisations, thanks to the vaccine programme, but they are not well enough to go to work. So the world’s coffers continue to be depleted and will take a very long time to get back to profit and progress.The latest plagues upon our world are war and an out of control increase in the cost of living. While we were all hibernating the gremlins came out of the cupboard and caused the havoc we see now.