Much happened in the month of April, a month that probably felt much longer – “stay-at-home” mandates and related economic shut-down continued, air/water quality improved, oil priced for May delivery traded below zero; yet stocks enjoyed a strong rebound. “Seeing clearly in 2020” seems impaired now because of too much news. “Unprecedented” is perhaps the most overused term applied to many topics during this world-wide pandemic event; but so many things truly are “unprecedented.” As a result, there is no shortage of topics that merit comment. But the simple thought is overload – too much news. So let’s pursue a bullet approach to touching on what we see as the important themes. We hope this format and information is helpful. Most important – we pray that you, your family, and friends are staying healthy and safe.