2022 is certain to be more challenging for investors than 2021. So far it has started out that way with the S&P 500 pulling back about 6% from the recent highs from the end of last year. The Sevens Report neatly pointed out that in 2021 the pandemic was a net positive for the economy and corporate earnings. The amount of fiscal and monetary stimulus put in place to counteract the economic impact of Covid was astounding. But times are changing. Market tailwinds are being r