weresurely, if there greater lockdowns and worse growth prospects, and estimates work effective as a result, that would be in the near term headwind. assets plan, risk discounts negative. looking out 12, 18 months, on this front, probably way more polish and a sense that if you told me that by the summer or the fall there is a vaccine right up -- readily available on the corner, i fail to understand why more or less society does or return to something close if not exactly similar to the lifestyle. we will use doc you sign more but if anyone can get a vaccine on a moments notice, i don't see why life as we know it should be will much worse in the fall of 2021? caroline: michigan certifies election results showing a biden victory. so the drip that is these recounts and uncertainty. michigan is a sign that election results did show a biden victory. perhaps be should pricing in a bounceback. v, w?s it a u, surely, there will be some scarring. we know that the pain prior to this particular slowdown has been accentuated when it comes to perhaps some of the trends going forward. more realis