Singapore is ending 2021 on a high note. The economy is recovering nicely, though not quite as dramatically as we had hoped for.

The pandemic has not been crushed entirely but it is enough in abeyance for the authorities to ease domestic restrictions and open up to the rest of the world judiciously. That gives the still-underperforming segments such as tourism and related activities reason to be more hopeful.

Three themes come to mind as we think about the coming year.

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