Seeing the world from the capital market or the boardroom, our horizon is the same — and, although I have changed position during the year, my perspectives remain the same.

In reality, the industry was totally unprepared for a pandemic coming as a whirlwind, locking us not just down, but also in. Having said that, it is amazing how quickly we adapted to a virtual world. Businesses have experienced a seismic and formative digital transformation, which was unimaginable at the start of the year.