So, are we in the pandemic—or out of it? In a recession or not? Are you planning for disaster or rebound? If it’s a rebound, then what does it look like? Visiting a favorite coffee shop recently, and looking around at the neighborhood—it’s empty shops, sometimes an empty block—, it was hard to tell what any reasonable person should be anticipating—based on the small window that is my neighborhood. So, what are the experts thinking?