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Not all business owners were fortunate enough to receive government relief funds, especially in the first round. Experience shows that business owners who had a relationship with their bank were better served than those who didn't.

The pandemic has changed many things -- not only how we work, but how our company operates remotely as a team -- and has made maintaining our company culture challenging. Through fostering engagement among our employees, communicative and empathetic leadership, and the desire for continuous improvement, we've been able to find our stride.

In a rare act of compromise, Congress came together at the end of December to pass the Consolidated Appropriations Act, which provides long-awaited and much-needed economic relief to businesses and individuals.