22 years as an ERISA attorney, I’ve seen many hills and a few valleys. I’ve seen quite a few plan providers die in these valleys. After a booming market for the last few years, the Coronavirus pandemic has caused a huge valley and the problem is that we don’t even know, to what extent. There is more to the Coronavirus pandemic that we haven’t seen yet and it may cause a valley for this business for the next years or so. What’s important is how we navigate this valley because while it may be challenges for some, there is an opportunity for all of us in growing our business as we navigate against a powerful storm.