sonal: if i can -- 2019. sonal: if i can jump in, are we talking about a couple years or couple months? what is temporary? it is a little bit like transient. these are words that do not actually fill out. the second thing, when we talk about massive, i'm not talking about massive, i am just saying we are probably not going to be sub two again. by this year, we could be approaching 2.5, three. that is not in the price and maybe you could go up further. those secular challenges over three years -- those might revert. i think the slap back, this is a crisis we have never seen before, but it was a mandated shutdown of the economy. the scarring, i accept to some extent, but the scarring is you mandate a lockdown, people cannot go to work. you open, people go to work. i would be curious to know as to how long that scarring lasts relative to the global financial crisis when people were shellshocked and traumatized by the wiping out of their net worth, which happened because of the housing crisis. jonathan: gene, let