I think we're sill in the early stageof seeing the repercussions of what you know, two, three months shut down the economy. The wave of defaults is just beginning. Who knows what happens with cities and states and so on down the line. So i wouldn't expect this to have a new york style second wave. And it's certainly going to be more now that we're testing a lot more at this point. But if there were these other big shoes to drop, it could turn in something much worse....