The economy is mostly shut down in an effort to stop the spread of Covid-19 virus. Everyone wants to know how long will it last and how fast will we recover? The impact on business and finance will depend on the depth and duration of the economic downturn. The downturn is cutting deeply into businesses and government - local, regional, state and national. The recovery will depend on how much damage has been done and how the big spike in unemployment will reverse and how soon can life return to normal once the crisis is over.