Because some of those numbers, and the causes behind them, are likely to persist in the longer term. Many people who can work from home will continue to do so.

Because some of those numbers, and the causes behind them, are likely to persist in the longer term. Many people who can work from home will continue to do so. Many services that used to require a physical visit will continue to be done via online self-service instead. That's the new baseline against which more transient factors need to be compared to get meaningful results, and we won't know what that baseline is until after things re-stabilize.