I know that your role starts when the filing actually begins, but I imagine you do have some anticipation and do some planning and have some data to predict what's ahead. Do you have any sense that bankruptcies and insolvencies could become a real pandemic, so to speak, in the next several years, given the enormous amount of debt that people have racked up in the lead-up to COVID-19 and perhaps while it's been going on?
On July 7th, 2020. See this statement in context.