2020 is never ending. It does seem like that, doesn’t it? 2020 seems to be the year that if something can go wrong, it will. Talking to so many of our clients, not only are they dealing with the fallout of the pandemic and the shutdowns, but many are going through corporate restructures, hiring freezes or layoffs. Add decisions on schooling, lack of childcare, and being cooped up, and boy oh boy, it's easy to see why so many are so sour. The good news? 2020 WILL end. A v