The economy continues to take strides forward as the national unemployment rate dipped below 7% in October for the first time since the crisis began and the labor market added 638,000 jobs back to its nonfarm payrolls. The housing market remains unseasonably strong with buyer demand, closed sales, and home prices rising. We also had an announcement from Pfizer this week about the prospects of a viable vaccine that could be widely available by April, which could significantly bolster the economic recovery.