For 88 years, the Royal Bank of Canada produced a monthly letter that had a huge readership.  "It has become almost habitual in these grim days," the letter opened with in 2003, "for political and economic commentators to speak of a ‘crisis of confidence.'  Looking back, if we thought we were in a crisis of confidence then, today, we can apply that phrase to governments, global health, the economy and personal relationships.  Belief and trust have given way to doubt and skepticism.  The confidence that we once may have had in an institution, or a person, or even the future, has eroded and what we have left is a crisis marked by uncertainty and conjecture.