For some, the new year is a time for resolutions and an opportunity to set new goals. It has also been a traditional time when people bring perspective by reflecting on the prior year and look forward to the next steps. But for others, the new year just means more days with unanswered questions about how to ensure basic needs. As we know, people experience job loss, unexpected health issues, or an emergency situation. These "unknowns" are the reasons that we collaborate with