1) Policyholders continue to need your services. 2) Companies that do not make a profit go out of business. 3) Third-party administrators (TPAs) increase what they expect from their program contractors. 4) TPAs lower what they pay for program work. 5) Labor prices increase. 6) Material prices increase. 7) Overhead expenses increase. 8) Supply-chain disruptions increase. 9) Good employees become more difficult to hire. 10) Contractors have more work offered to them than they can complete. 11) Inflation is expected to close out the year above 5%. 12) Buyers of local companies with national networks connections increase. 13) COVID-19 changes the rules of business.

So, what am I trying to say to you regarding 2021 versus 2022?  I am saying to you that I am absolutely convinced numbers one and two will repeat themselves in 2022, and I believe numbers three through 13 will repeat themselves too.