yacov: thanks for having me on. a relevant question, the reality is we are seeing starkly different outcomes in different countries. which has notuay, had a lockdown, yet the rate of naturallyis very low, the economy effect is going to be more muted, less pronounced . wee again we look at brazil, are concerned about the rate of infections, how long the crisis will be. how difficult is it to generalize right now, and if you cannot generalize -- actually, we never generalize -- but does it depend on how a leader is handling lockdown, how a leader is handling testing with covid-19? how have the metrics changed depending on h where you put the money? yacov: leadership is important. the crisis was handled aggressively and so on, but at the sometime we have to look at the countries economic parameters, and looking at the response and the impact on these countries through the prism of main factors -- oil prices -- let's not forget oil has also declined precipitously in the past few weeks and months. tourism.d is we are try