REBECCA RYAN is a futurist, economist, author, and the founder of Futurist Camp.

A lot of companies will go out of business because of this downturn, but a good number of those closures will have been avoidable, because they will be caused by fear alone.

I’m a futurist, but I’m a small-business owner, too. Most of us are used to some kind of seasonal planning. Right now, the normal

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