ROCHESTER, N.Y., Feb. 26: The American economy, guided by small and mid-size businesses, persists to face difficulties as the nation enters into the second year of extensive shutdowns created by the COVID-19 . New research from Paychex, Inc., the HR software and services company providing the power of simplicity to businesses managing increasingly complex workplaces, found that three of the biggest obstacles businesses face are financial instability, bringing employees back to the office, and developing a COVID-19 vaccine policy. These insights are based on the company's latest survey of business owners, conducted January 27 – February 2, 2021, which polled 300 principals of U.S. companies with 2 to 500 employees. Financial Instability The survey showed small and mid-size business owners continue to be in a precarious position financially in the wake of COVID-19. Sixty-one percent of Paycheck Protection Program (PPP) loan recipients in the survey characterize the 2021 PPP...