The pandemic-induced economic downturn has created a catch-22 with consumer demand vis a vis companies’ ability to employ workers. Small to medium-sized businesses are particularly vulnerable to the pandemic-induced economic downturn. Loss of business prompts budget cuts, which invariably entails significant staff-reduction. Diminution in payroll obligations saves faltering companies money, yet it precipitates unemployment…which invariably reduces demand…thereby hobbling commerce. (After all, economies are stimulated from the demand side.)