When Hurricane Idalia struck the northern coast of Florida last year, it wreaked havoc on the home-building company where Elisia worked as a project manager. Several partially completed projects were destroyed, and material in the company’s warehouse and lumber yard were ruined. Management was committed to keeping the company going, but they had to lay off 10% of the staff and told all remaining employees that they would have to take a 20% pay cut for the foreseeable future.