The new year is well under way now and most people will have returned to work, giving thought to what 2021 will bring. As we progressed through 2020 the outlook for our economy shifted from good with an accelerating housing market early in the year, to truly dire as we saw potential for devastation from the effects of Covid-19, to some stability and positive growth surprises, and then most frenzied housing market on record by some measures.

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