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It's wonderful to welcome you here at the Clark Howard Show,

where it's about you learning ways to save more and spend less.

And don't let anyone ever rip you off.

Our websites are clark.com and Clarkdeals.com.

And one of the things that's so fantastic about business

is how business owners, if their business conditions permit,

can be really flexible and meet the needs of the times

and the customer base they're looking for.

And I got just three examples for you.

One of them is that Starbucks is going to close a ton of their locations

that are ones with cafes where people go and sit down inside and hang out

and reopen new locations that are walk up or drive through only.

Because their customer base they've discovered has changed completely

...