CLEVELAND — Imagine this: It’s late January. The sky turns gray while snowflakes begin to fall and your phone alerts you that a Winter Storm Warning is in effect. You dismiss it as nothing more than a few inches of snow. After all, snow is common during the winter months . You’ve seen it before, and you can handle it... Right?

But, then it happens.

The roads become completely covered with heavy ice during the night.

Vehicles slip, slide and lose control. Power lines break. Traffic is snarled. The morning rush is at a standstill. And you are stuck.

That important meeting with your boss: you missed it. Your neighbor, however, also heard the warning and knew what was coming. She rescheduled her appointments and worked from home via Zoom. She bought everything she needed ahead of time

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