That's great. I'll start with Mr. Davis.
Thank you to all the witnesses for coming out today.
Mr. Davis, I want to talk to you a little about the complexity of the tax system and tax returns. It was complex before, but with your small business clients, with the TOSI rules, with passive income rules, with all the different things that were added, and we now have a variety of different programs people are utilizing during this COVID crisis, what are your thoughts on how complex it is going to be for your organization to help steer people through those compliance issues?