Flash back to December 31st, 2019. I am at a bar with friends sending-off 2019 and looking forward to 2020. We were enjoying the friendship and comradery with some food and a few drinks while discussing what a great year 2020 is shaping up to be. The music is great (80’s) band and the future looks very bright. I mean why not look for a positive 2020. The economy is going great, the stock market is soaring, and in 2020 Cinco de Mayo falls on Taco Tuesday and Halloween falls on a Saturday! What could go wrong?…