I'm thinking about supply side and demand side differently right now. The supply side business outcomes are going to be based on the customer profile, the finan

I'm thinking about supply side and demand side differently right now. The supply side business outcomes are going to be based on the customer profile, the financial strength, and some localized effects of the pandemic situation. I'm not sure that we'll see an '08 style credit crunch. I think governments want to stimulate and credit is one of the main levers they can try to push. I don't know if it will work to keep failures down, but I certainly think they'll try. But I think the supply side will collectively adapt as necessary to supply the demands for products and services as they exist. I think consumer demand is going to be the constraint for the next 2 years.