 Obviously, at the moment, there's a high degree of uncertainty in the world, but actually it could be the perfect time to start a business. It's obviously a challenging time, at the same time, with adversity does come opportunity. We take a simple example, like a cafe, people just might not be visiting, you might not be able to be open at the moment, but if we observe consumer behavior, there's still a huge demand for coffee. What we're seeing is huge surges in online demand for coffee. There's an opportunity to offer items that might be coffee beans, equipment to make coffee at home, to help people with their at-home coffee needs. Another reason is that there's a lot of talent out there looking for work. It's unfortunate that a lot of people are out of work. As a small business owner, you have a unique opportunity to hire talented people. You might not have had access to it. Obviously, a lot of us are spending more time at home and lots of services can help you get a fully functioning business with a laptop and a few credit cards within a day. You can build a website now without knowing a web developer. Internet feeds are faster than ever. There's tremendous support from governments, from the community. It's never been easier to start a business from home. Speaking from my own experience, I started my own business in 2008 right in the middle of the global financial crisis. It was both scary and terrifying, but really exciting. What I found that smart investors were still investing and over that 12 years, I've seen hundreds of thousands of small businesses and entrepreneurs follow their own dreams so there's huge opportunity for those entrepreneurs who are brave enough to start their business today.