Most people look forward to the new year because it presents (at least psychologically) the opportunity for a new beginning. The new year is a time for a fresh start ... a second chance ... a clean slate. Now, more than ever, in light of the events of 2020, the world is looking for a clean slate and a fresh start. But what if 2021 isn't a fresh start? What if 2021 is even WORSE than 2020? Then what?