strong>in a way that also protects our mental &amp; financial health</strong>, we need optimism to create plans, and pessimism to create backup plans. As Gladys Bronwyn Stern once said, <em>‚ÄúThe optimist invents the airplane and the pessimist the parachute.‚Äù</em></p>

	<p>So, buckle in: we&#39;re about to experience some turbulence.</p>

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	        <div>The Last Few Months</div>