This year has been a challenging one. But there is a feeling, amongst some that when we get to 2021, everything will get better; Covid-19 vaccines will be distributed, the pandemic will finally be over, and we can return to normal. In actuality, with the federal eviction moratorium set to expire at the end of the year, cold weather, and Covid spikes crippling small businesses, the darkest days of the pandemic are right around the corner. A case can be made for a small business bailout, but what we really need is an extension of the eviction moratorium. We need an eviction moratorium 2.0 that forgives back rent tenants owe their landlords.