When that prediction was made, we were in, I think, April or May, during the very early days of the pandemic, when there were very deep uncertainties about the future of the economy and also the role of government supports in providing mitigation of some of the very adverse economic impact.
The prediction, based on the facts at the time, was of a very extreme scenario. As we have learned, the impact of the pandemic has not been as severe as we initially thought. I think—