It’s also the difference between now and six months ago. For context, in 1999 Mark Zuckerburg was 15. And six months ago lockdown was a term we related to prison movies.

We hadn’t expected to be working in this environment when we turned 21 so, like everyone, we’ve had to adapt. It’s scary, exciting and a stretch for everyone. So we’ve taken what we’ve learned, looked around us at what we all have to deal with and tried to imagine the road ahead - in full view of the fact that no one really knows what’s going to happen. This has helped us develop a line of thinking to help us help the many businesses who entrust their hard-earned cash with us.

Read the full story in the flip book above

Lo & Behold, we’re 21 Let’s reflect and celebrate