The year 2020 brought us a perfect storm of economic disaster. Covid-19 hit with a vengeance leaving many unemployed with little foreseeable relief. Businesses have faltered from the shut-down and uncertainties that came with it. The collapse of the oil industry added insult to injury. Customer orders have been cancelled and customers are not returning because their customers are likewise not returning. Businesses fortunate to receive money under the Payroll Protection Program loans have exhausted those funds or will in the not too distant future with little to no relief on the horizon. Looking forward, it is hard to see the light at the end of the tunnel. What do they do?