I was deeply concerned about the COVID-19 from the very beginning, and I did some preparation. Yet, I can not say anyone is prepared for what's to come... The first sign was China, with isolated people, production closure. For me it was clear that this is too serious to ignore (moving the focus of the Chinese gov form Hong Kong was a big deal). Now I see very difficult what's happening in Europe - border closing, school closure, companies temporary closing offices, shop and bars in free fall. The next escalation will be with the banks, and we already see it in Italy. They were suspending mortgage payments for quarantine people (about 30 millions, and this is the beginning). With negative interest rate, there is not much space for recovery...