The covid-19 pandemic The covid-19 pandemic has negatively affected businesses from every sector. At the beginning of the pandemic, most governments required firms to be entirely close to reducing the disease’s spread. More than 60 retailers, including J.C Penney, Brooks Brothers, and Neiman Marcus, have filed bankruptcy as they are not in operation yet must pay rents. Furthermore, one of the significant ways of reducing the disease’s spread is staying at home, implying that brick-and-mortar stores do not have customers. As a result, most businesses were unable to cope with the situation and closed their stores. According to the article, the retail vacancy rate has risen to 5.7 percent, the highest in the last five years. In 2020, over 12,200