Is it really all doom and gloom? Sure, the VNIndex has lost 20% year-to-date and the HNIndex a whopping 46%. High NPLs have banks seeing red, high lending rates have companies seeing red, high inflation have consumers red in the face, but with Tet just around the corner…the only red we want to see are red envelopes. With all the pessimism out there it’s easy to get caught up in the glum but banks are still open, farmers are still planting, construction companies are still constructing, manufactu