would think of is the fact that consumers, investors, employers do not regard the pandemic as a -shapef, you know, this v that we always point to, but as something that will recur over the course of time, and as a result would lead them to completely change their behavior. how bad is it if saving again, how about if they freeze and hold their investment plans because of the uncertainty generated by this situation? and the second risk that i see is the potential real/financial spillover, which we have managed to avoid so far. in other words, we have not had the financial sector amplifying weighed one that has the real economy, and we really need to stay clear of that,, because that would be an aggravating factor. francine: what surprised you most in the economy, worldwide but also given the pandemic? is it positivity? is that how quickly people actually started working again, when some of these lockdowns were lifted? ms. lagarde: you know, what surprised me most from this part of the world, where i have relocated, is, you know, how, in the face of this massive, shock -- exhaustion is sho