Last year started off with a bang. Unemployment was under 4%, forecasters were giddy with their projections for the economy, and the residential housing market had the strongest January and February activity in over a decade. Then came the announcement on March 11, 2020, from the World Health Organization declaring COVID-19 a worldwide pandemic. Two days later, the White House declared it a national emergency. Businesses and schools closed. Shelter-in-place mandates were enacted. The economy came to a screeching halt. As a result, unemployment in this country skyrocketed to 14.9%.