Times Are Tough The spread of COVID-19 has thrown the certainties of life into disarray. Unfortunately, this uncertainty has had a devastating impact on both the stock market and the everyday commerce that sustains the economy. Freelancers, drivers, hotel and restaurant workers now find themselves physically or legally barred from working. Not only service workers are affected; even people with desk jobs who are able to work from home might find themselves laid-off or furloughed
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