What a crazy year we have all been through. Last year, I visited Japan, London, Puerto Rico, Oregon and Las Vegas twice. This year I had fewer visits than that to my local barber and I was ecstatic to be there. This was the year we relearned to appreciate small things. Adventure and excitement were out, and safety was in.

On the economic front, COVID-19 was the mother of all exogenous shocks. Now, in December, we can cautiously say we made it through.  On April 7, in an article for HousingWire,  I proposed an economic model that showed what needed details ⇒

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