No. It's because of everything in the posted presentation - 50% of companies are SMBs (in the States), and they understandably don't keep enough reserves to wea

No. It's because of everything in the posted presentation - 50% of companies are SMBs (in the States), and they understandably don't keep enough reserves to weather 3 months of losses. The stock market is reflecting that the damage this will do on the economy is real, and currently unknown but expected to be pretty bad.