I think there are many, but the most important one that you referenced is the shift to digital.
What has become clear since mid-March for companies that never really had a digital presence and didn't think digitally is how relatively easy it is to stand up and enable a business through e-commerce. I may get some of these specifics wrong, but if you look at Canada, you'll see that something like 50% or 60% of Canadians do their buying online, but that something very low like only 5% or 6% of Canadian businesses have the means to effect transactions through e-commerce. Canada was actually behind where it should have been and where other countries were, going into the crisis. This has convinced us collectively of the need not only to catch up, but to go beyond.
I look at the conversations we're having now between our advisory services teams, in particular, and entrepreneurs. We're having orders of magnitude and more conversations on the need to digitize and to have an e-commerce capability than was the case. This is, I think, one of the good, lasting implications of what we're going through right now.