The second (3) is quite valid as “I’m tired of this sh*t” affected all those close to retirement who didn’t need short term cash flow. Folks with no kids, the

The second (3) is quite valid as “I’m tired of this sh*t” affected all those close to retirement who didn’t need short term cash flow. Folks with no kids, the kids out of the house and the house paid for. The first (3j also strikes me as valid as the possibility of f2f interviews was basically zero. Between social distancing and the collapse of border crossing and air travel “sitting tight” was prudent. Remote interviews lead into (4). Edit: the loss of external child care forced some workers home. It’s possible the positives of at home care shifted the balance vs the expense of external care. And now, perhaps due to the difficulty of securing it.