With coronavirus, it's this idea that we didn't hedge enough. The government could have hedged with a free role because the amount that they would have had to spend to get increased testing kits or maybe say, let's order 5,000, 10,000 ventilators. And I think one of the aspects around coronavirus that happened early on, and part of the reason that maybe some of these hedges didn't happen, is we thought about the regret that would happen from that.

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