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All of us are worried about our families and the financial protections we may or may not have. We stay awake at night watching the news of a spreading virus and see businesses close because of a lack of customers.

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The circumstances in which we have lived, or in some cases, existed in the last couple of weeks hasn’t been, I dare say, anyone’s first choice.

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Hard work pays off. We hear that so many times referring to the effort the time it takes to achieve a goal whether it be getting a new job, losing weight or finishing a college degree.