Maybe I can just answer that.
At a very high level, I think it's quite intuitive. You're right that there are accumulated savings there. A lot of that would be due to the inability to spend on certain things that we would be able to spend more on normally. We would expect that it would give us a bit of a boost when the economy opens up, when it's safe to go out and consume, and that you would see a little more consumption than you otherwise would.
It also helps support consolidation of debt and households deleveraging and being in more solid situations from an overall debt standpoint.