Michele: I think we're doing an abysmal job of targeting the real under lying problem that has occurred with this. The choice to retain the cash, which can be the optimal decision, can actually abrogate or end create a terminal event for the underlying business itself. Most small businesses, unfortunately, have real options that exist every time they write a check. It's easier if the landlord is a local friend of yours to say, inno, h joe, and i get a couple of months break given this dynamic. But as much commercial realistate is increasingly transferred to larger corporate ownership that becomes a conversation that's harder to have. That's the expiry