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I will admit I haven't read them all, but it's a solid bet that few experts had a global pandemic on their 2020 predictions list last year. This is not a criticism. No one could have predicted the financial and social impact of COVID-19 – and that's the point. It's important to have vision, foresight and a business plan, but what kind of plan can withstand a global pandemic? How can anyone plan for this kind of shock?

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