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I keep asking myself the same question each day when I look at the year-to-date return for the S&P 500, which is currently down approximately 10%. Are the revenues and profits of restaurants, malls, movie theaters, resorts, airlines, auto companies, retailers, cruise ships, amusement parks and every other business directly or indirectly dependent on the consumer down 10%? The answer is no. In fact, business revenues and profits are down much more than that and are unlikely to return to pre-pandemic levels for years to come.