Just the outcome for the labour market is very different, so we have a big drop in demand. During the last session they were talking a lot about the big drop in demand, but we also have a drop in supply with businesses being totally closed or businesses being partially open but with workers, often for very good reasons, being fearful of showing up. We have supply-side constraints as well as demand-side constraints. That's not been the case before. Even with the Great Depression, that wasn't the case.
There are a number of reasons people are out of work right now. Going forward, I think the unemployment insurance system, yes, needs to be adjusted for the 21st century, both with the passive benefits like those we're talking about now and also with the training and retraining and skills development. Perhaps that's for another session. That's a challenge that I feel very strongly about as well.