2019 marks the fourth year that Triple Summit Advisors has been in operation, and the third full calendar year of results. We take the new year as an opportunity to reflect and share our views in our annual letter to clients. Here is our 2019 Annual Letter, which includes our thoughts on our performance last year as well as our thoughts on the ongoing impact of COVID-19 on the markets. As always, we welcome your comments, questions, and feedback, and we hope to see many of you throughout this year.