from the london school of economics, seema shah joins us with principal global. her work with her majesty's treasury, with pricewaterhousecoopers, and now at principal. i thought your note was extremely nuanced down to the soft give of 2021. 2021?ill win in seema: i'm sorry, can you repeat the question? tom: that's all right, that's does to me all the time. what does 2021 look like if you are so selective? what will be the winning sector of 2021? seema: it is such an imprint question going into 2021. i know this is probably shocking, we still like mega cap tech. it is not our favorite, but we still think it is really important you have an allocation because we think the magus speed bumps -- the modest speed bumps are not a very smooth one. we also like cyclicals. , within the value space. because of all of the pandemic scarring and all of the problems coming up, the most important thing is just distinguishing between good and bad companies, and that sounds really obvious, but some companies are going to have taken on some horrible debt that at some point will com