At the start of this year, I dispatched a text message to around 50 people I know working across insolvency, corporate finance, lending and restructuring. 2020 was just beginning and I wanted to canvass opinion on what sectors of the economy would be most at risk over the coming 12 months. As the answers rolled in, a solid consensus emerged. Yes, different people have different takes on different sectors – some had concerns on real estate while other were hesitant on aviation finance. Invariably, however, two areas kept on cropping up again and again – restaurants and retail. There was…

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