nce the shutdown that resulted from the Covid-19 pandemic, we have experienced a rapid rate of change, and we have, in turn, rapidly adapted. In fact, we saw 15 years of behavior change in 30 days.

This remarkable ability to adapt and pivot has helped both leaders and their businesses evolve and thus survive. We know the rate of change is not going to slow. Going forward, small and midsize businesses will need to anticipate, as much as possible, the challenges that lie ahead. Our most recent report shares four critical areas of continued transformation that small and midsize business (SMB) leaders will harness for growth in 2021.