Some businesses are already gone. The survivors have taken steps such as boosting online sales or changing their hours, staffing levels and what they offer customers. Others are relying more on residential traffic.

Many business owners had looked forward to a return toward normalcy this month as offices reopened. But now that many companies have postponed plans to bring workers back, due to surging COVID-19 cases, downtown businesses are reckoning with the fact that adjustments made on the fly may become permanent.

In downtown Detroit, Mike Frank’s cleaning business was running out of money and, it…

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