2020 burned hot, with global upheaval from every angle, culminating in an ongoing health crisis that halted the world, challenged communities, and strained economies. The economic future looks perilous, with 2020 expecting to set records for the highest number of retail bankruptcies and individual store closures in a single year. Holiday spending, typically a reliable boost for retail businesses, is expected to be down some 22 to 25% and total U.S. retail sales may see a 10.5%...