As a manager and as a person, we are never ready for when a colleague leaves before time. Brad has left a vacuum behind him that will be hard to fill. Everyone who met Brad in the virtual office benefitted from his kindness, experience, inquisitive spirit and willingness to do well. Testimony of his generous knowledge-sharing are the couple of editions of the internal leverage finance newsletter he wrote, and the interview he gave for our French office gazette transpired a subtitle sense of humour. Personally, I never had the opportunity to meet face to face with Brad but had a handful of chats with him via Zoom. Behind the professional I could perceive a sensitive person, which only added to his charm. My heartfelt condolences go to his family and friends in these difficult times. I wish them strength and peace on my behalf and on behalf of the entire Moody’s team.