Dow futures and treasury yields are lower today because Treasury Secretary has instructed the Federal Reserve to close emergency lending facilities and to return the unused money back. Tech industry is mixed this morning as hope of unleashing restrictions, due to vaccine effectiveness reports, could keep the light of business on. Home sales are exceeding expectations to the level of 2007, which reminds me of the previous recession. With the Trump's administration foreign policy blow out, and the pandemic on top of it, perhaps the depression is yet to begin in 2021. After Bitcoin hits record highs, Digital Asset Investment Management launched the first retirement plan based on Bitcoin.