This is a rough time. There’s really no way to sugar coat it. People around the world are falling ill. Many transactional businesses are severely imperiled. Lots of Americans are out of work. Even for those of us who have been fortunate enough to remain healthy and stay employed, things are still hard. Parents deal with the stress of juggling both children and work during the day. Grandparents can’t hold their grandkids. I’m sure many of us are probably experiencing a touch of cabin fever. And of course, the specter that is the primary subject of this commentary, investments have yielded brutal returns the past several weeks.