With respect to risk tolerance, if you’d asked me before March 2020, I probably would have described myself as “risk-averse.” For example, I’m what you might call respectful of heights. That’s my preferred euphemism for terrified. I wasn’t too fond of them to begin with, but falling off a ladder while cleaning off leaves was enough. I set out to do\ a mundane chore and returned limping like Quasimodo and moaning like Marley’s ghost. I’m also cautious with money, and I don’t like to make big decisions on a lark.