As the Roman poet, Horace, so eloquently said: "Adversity reveals genius, prosperity conceals it" -- the Italian version of that old saw, "Necessity is the mother of invention."
Make no mistake, my intent is not to lighten the gravity of our condition. Your investments and financial future ARE my career. And I am with you, experiencing this period of economic and financial stress. But even before we knew the term "Social Distancing" I was working on improving how we engage with all of you. Now it's become part of our daily endeavor. As we move through the "S" in our development, the current situation and adoption of new technology will temporarily slow our processing and response times. We will come through this better equipped to serve you and better prepared for the future.