With summer just around the corner, vaccination rates rising, and restrictions easing, everyone is looking forward to life, mainly returning to the pre-pandemic normal. Interestingly, a lot of what we miss so much now we would likely have considered mundane 16 months ago. The lesson here is to enjoy life in the moment. The truth is the COVID pandemic will forever change our lives, our businesses, our industry, and our country. Community Bankers have always found ways to meet the needs of their customers and communities during previous life-altering seminal events in the past. As always, we will Improvise, Adapt and Overcome, again.