Thanks. To go a bit deeper on that, because I do think it seems to have yielded a lot of creativity, which I think is commendable, I'm wondering, in a universe in which you're recommending that this be made permanent.... Hopefully, we won't be in an economic downturn forever. Hopefully, there is a bit more stability on the horizon. I'm wondering if you can talk to us a little about why you're recommending a permanent shift as opposed to an extension of a temporary shift. How would this help in a permanent way in the foreseeable future of the economy?
