The last time the Dow had a quarter this strong, Cheryl and Jay were in college – don’t do the math.  Also big news about RMDs – you can now easily return all RMDs taken in 2020.  No need to worry about 60 day rollovers or distributions taken in January.  And Ford lets you return its cars if you lose your job, the PPP expired with money still available so Congress extended the deadline for applying, and banks are getting wise to people taking out 30 year loans with low down-payments for coastal properties.