We are are not only in the mid of covid-19 but also in a decline of traditional branches. Every company faces severe uncertainty and disruption. Therefore a look in the rear mirror delivers the basic assumptions for alternative scenarios and simulations - just to have a fast and successful reaction to the accelerating changes in environment. Based on alternative developements we provide alternative but utmost reliable company values. The world has changed and the change will continue - so we have to change our former perceptions.