Monday’s selloff in stocks wiped out stock market gains for the year.  U.S. stock benchmark indexes dropped by more than 3%, with the S&P 500 Index falling the most since February 2018.  Investors were jolted out of complacency by the spread of the Coronavirus to additional countries -- the epidemic has now spread to more than 30 countries.  Disappointing purchasing manager index (PMI) numbers released last Friday that reflect the early impact on economic growth didn’t help market sentiment.  At this point, it is impossible for us to project the peak magnitude of the epidemic and the full economic implications.