As the U.S. declared a public health emergency on Feb. 3, 2020, COVID related cases surpassed 9,800 around the world quickly becoming a pandemic by March 11, 2020, which the World Health Organization declared (source: https://www.ajmc.com/view/a-timeline-of-covid19-developments-in-2020). Thus, the CARES Act was established on March 27, 2020, with a $150 billion Coronavirus Relief Fund. The CARES Act provided direct payments to Americans to cov...