>Never fear, already the insurance companies are calculating the risk factors and lobbying the politicians for friendlier liability laws. Once they get an agreement so the politicians get re-elected and the insurance companies make money they will have a "COVID-19" Rider that you can purchase for a nominal fee. Closing community facilities may be one way of putting pressure on the politicians.

Let's hope the New Year finds you on the mend and getting ready for the golf season.