The COVID- 19 pandemic has dramatically changed the rhythm of our daily lives. It has also placed a looming question mark over our future plans—especially for American individuals, families and businesses who signed contracts before the pandemic reached our shores.  For example, did your non-profit organization book a suite of hotel rooms in anticipation of an upcoming conference? Did your family rent out a place overseas for a planned vacation? Did your company purchase flights for business travel before the pandemic broke out? If so, you’re not alone. In recent weeks, phone lines have been jammed with nervous inquiries about refunds