This popular blog post was first published early in the pandemic of 2020. We have made some updates and offer it again as conditions continue, worsen, and in some cases improve. Always changing. We expect that there will be more changes to come in the months ahead and we'll do our best to help you stay on top of things and navigate the solutions that are best for you.

What seems true, now, is that when the COVID-19 threats have subsided, the ways of life we knew and counted on before the pandemic will not be returning to us in precisely the same ways. We are at the beginning of a new era, and it can still be hard to imagine. In short, this departure from old ways of doing things is not "temporary."