While New Zealanders hang in there, staying safe in their lockdown bubbles, many of us are worrying about paying the bills because our income has changed.

These are inevitably and unavoidably going to be difficult and challenging times for all businesses, from one-man bands through to large corporate organisations. The key to survival of any business will be dependent on many factors, but principally the decisive first steps and actions of management and owners in the early stages of the crisis.