Adversity inspires one of our most powerful tools. The more challenging the climate, the more powerful creativity becomes.

The origin of the word 'crisis' is 'decisive point'. At the moment we are staring into the abyss, but could we learn from what we see?

"It is not the strongest of the species that survives, nor the most intelligent, but the one most responsive to change" - Charles Darwin

Every economic and financial crisis we've experienced appears to be a tsunami, unpredictable, out of our control, something we could never have prepared for. Or could we have?