#BRNSunday for January 3, 2021 | Online delivery changed how we eat, Retailers brace for flood of returns from online shopping, markets rebound after a steep drop in March 2020; the future of employment, Bitcoin hits a record high, but regulation looms, Freddie Mac: mortgage rates close out 2020 hovering around a record low; will rates tick up in 2021 and, 2020’s benefit legislative and regulatory standouts | For more info visit www.broadcastretirementnetwork.com and subscribe