mick? when you look at where you're seeing the most trouble, i mean, you've got certain industries like hotels and restaurants needing stimulus badly. they are living on of cashere's none of it during the shutdown. you also have community banks, this is where main street america banks, the community banks. they're talking about needing stimulus. in your view right now, knowing all of the trillions that have already been thrown at this economy, where are the needs today? >> a lot of the trillions that have been thrown haven't hit the economy yet. to your point, i think it's real difficult for the government to pick winners and losers when it comes to industries, to of say we're going to help hotels but not cruise lines, not airlines, not boeing. that's difficult to do and would open anybody up to second guessing after the fact, lessons that were learned after the financial crisis of the last decade. it's better to look at the larger market drivers, is capital available, to your point, are community banks able to lend money to small businesses, are the capital markets functioning properly. are payrolls flowing. i think those are the type of things you should lo