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This article appears in the March 2021 issue of Advisor’s Edge The situation Nadiya Barakat , 38, spent years dreaming about the restaurant she wanted to open in downtown Halifax. Part café, part cocktail bar with a menu of Mediterranean appetizers, Hamra would be a tribute to the Beirut café culture she’d heard so much about from her parents. After mustering the courage to leave her government communications job, Nadiya secured a lease and Hamra opened to rave reviews. A year later, the pandemic hit. Nadiya was forced to close the restaurant for weeks. When lockdowns were lifted, she was nervous about reopening. Her wife, Michaela Tobin (41), a developer for a small video game firm, is diabetic and Nadiya worried about exposing herself and her family to the virus. She opened Hamra’s patio for the summer and customers returned but, by the fall, the thought of a resurging virus and trying to get by on takeout orders became too much. She also worried about more school cl

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