Market Commentary; Economic effects of Pandemic; 42% of Layoffs will be permanent job losses; wages no longer "sticky;" CARES Act is here to stay; Math Can Save Your Household: Ratio's & Radical Downsizing; resetting expenses; assume you're not going to get a raise; What if Unemployment hits 6% w 4% inflation? Why not allow business cycle to operate? Congress using pandemic to benefit constituents; Rules for Fiscal Health;