Person entering credit card information on website With many businesses remaining closed or restricted, consumers' online spending habits have surged, leaving them vulnerable to internet scams and identity theft.

Roughly half of all Americans find themselves confronting a legal issue each year. Against the backdrop of the pandemic, this number is only expected to increase as many navigate new legal hurdles for the first time – from terminating a lease agreement to purchasing a new home or filing for bankruptcy. These issues are not only stressful and time-consuming but also incredibly costly; just consider that the typical rate for one hour of legal services is around $370. For employees who aren't prepared, sudden legal issues can prove detrimental to their financial health – not to mention their mental well-being.

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