Our economy and businesses have had an extremely rough ride since the first Covid-19 case was detected here on February 27 last year.
None of us could have imagined how our lives as individuals, consumers, employees and businesspeople would be affected.
And almost every single trend which has reshaped our lives in the past year - working from home, streaming movies instead of going to the cinema, being furloughed, doing more online shopping because so many shops are shut - is feeding into the long-term economic impact of Covid-19.
While we are encouraged by the vaccine roll-out, and cherishing the hope the present lockdown might be the last, it is dawning on us that things will never be the same again for working lives and business.