The S&P 500 declined more than 2% last week as investors digested first quarter earnings numbers, another 3 million U.S. workers filed for unemployment benefits, some small businesses permanently closed shop, and J. C. Penney (JCP) filed for bankruptcy. I was surprised and dismayed to hear that after 33 years in business and with 50 locations, San Francisco Bay Area-based Specialty’s Cafe decided to close permanently on account of the COVID-19 crisis. This was a mainstay for lunch for many Bay Area employees and while it is a single data point, it paints a grim