I struggle a little because you stick so hard to the data, and I think we're in the business of trying to find solutions before the problems arise, so maybe I'll approach it in a different way.
Before the pandemic, were there certain systemic bottlenecks that existed in the receivership and bankruptcy process? You mentioned that the courts to date have been holding up. I'm wondering, if there is an increase in the volume of filings.... Are there any sorts of links in the chain or steps along the critical path towards bankruptcy that were close to capacity and that might fail if there is an increase in bankruptcies?