 Many people lost their jobs during the pandemic. But I also would say, Tavis, there was over 4 million jobs started at the start of the pandemic, and those are entrepreneurs. Many of those were black and brown businesses. And so what we actually need is, again, going back to the access to capital, looking at the funding opportunities that are in place, and one, acknowledging that there have been some unfair starts, approaches of saying who should get this access to capital.