Things have changed pretty dramatically in recent months. In some ways, everything will go back to normal and in other ways, there will be permanent changes. In the business world, the damage has yet to be realized. Even to date, it has not just been water parks and crude oil going under but major retailers are declaring bankruptcy. J. Crew, Edcon and Neiman Marcus are a few in a growing list that includes a lot of SMEs as well as large construction companies, airlines, traditional retailers and the like. …

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