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The COVID economic crisis has been particularly hard on lower-wage workers. Many of them, financially vulnerable prior to the pandemic, face worsened circumstances now. While unemployment remains a major issue for many Americans, the truth is that even for many who are employed, financial vulnerability is a real, everyday struggle.

This is nothing new, and while COVID has exacerbated the situation, it has also shone a light on the widespread financial insecurity that existed long before the pandemic. With every disruption there is an opportunity to create something that is new–and better serves us–than what we started with.

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