Again, I don't have hard numbers on this kind of stuff, because these are people who have not filed yet. In my remarks, I suggested that these are some of the theories we would put out there, but it's hard to say with certainty.
I do believe that the courts have not been a factor, from what I've heard. They've largely been accessible when needed, so I would say that's not a factor.
I think the other key factor here is the level of uncertainty, not knowing what's coming around the corner. As things start to reopen and we see how businesses pivot or weather the storm, we'll see what the future will hold.