Nadiya Semen starts every day at work in Lviv, Ukraine, monitoring the news, making sure emergency provisions are in place and generally hoping for the best.
She has withdrawn cash, readied an emergency generator and stored food. Shelter maps are nearby. "Physically I feel safe. I do not expect rockets or tanks here, but psychologically it is hard," she told MarketWatch. "Electrical and banking systems are down. There are bomb threats to schools."
