2021 has, for many people, been a long and difficult year. a year of change and uncertainty. and worry about lives and livelihoods and jobs and prospects. and early hopes of a return to something more normal have been replaced by a realisation that covid will be around for much longer than we first thought. its impact on how we live and how we work has been far more significant than feared. 0ur social lives, shopping habits and our travel plans all changed by this pandemic. and now, we are learning to live with this virus, but learning to live with its consequences will be