The year 2020 has been one for the record books concerning major business disruptors that have caused economic and emotional stress. The COVID-19 pandemic, wildfires, extreme weather, and other global events, are black swans or unusual aspects that are creating an environment that is quite the opposite of “business as usual”. Coupled with uncertainty surrounding people's health, the loss of milk markets in some areas, and the normal everyday adverse events such as sick cows, many would like to put 2020 in the rearview mirror!