The global pandemic has led to one of the worst economic declines in history. This economic turmoil is unprecedented because the 2020 shutdown was so abrupt and caused by factors not economic in nature. We have no playbook for dealing with a forced shutdown and an inconsistent re-opening process. The CARES Act and economic stimulus is behind us and additional stimulus is unlikely in an election year, and the economy will likely not be “back to normal” for a foreseeable future. So, what are small to mid-sized businesses to do now?