WE are barely four months into 2020, but life before Covid-19 seems like years ago. As the epicentre of the disease shifts from Asia to Europe and the US, the human cost is growing.

The situation continues to evolve, bringing new challenges to everyone. Without a doubt, we are facing the biggest crisis in a generation.

Financial markets have reflected this uncertainty, with intense price swings across asset classes and benchmark stock indices falling into bear territory.