we are talking about a majority of people getting ui, that are on one of the expanded programs that cover more people, people that aren't typically covered either because their earnings weren't quite high enough to be covered or because they're an independent contractor, they're self-employed. there's reasons why they're not being covered. i think that it is really important to realize when you go down to zero it is hard to pay your rent and put food on the table. those are the people i'm absolutely the most worried about. >> that's also like -- i mean obviously it is a human story because those people are in trouble. it is also not great macro economically because it is a lot of money flowing into the economy for things like paying rent or buying clothes or whatever that is not there. the one kind of bizarre upside to me -- excuse me -- is that i keep worry the fed is going to hike rates and there will be pressure, and i have seen some of the fed governors saying we are getting to the point where we have to hike rates. i do think in a weird way what ends up happening is these kinds of jobs reports in the long run sort of punt off, you know, fed