RE:RE:Q1 2020. About what I expected,..Since most provinces are easing up the lockdown measures we might have a back ended quarter where most loan originations will be from customers catching up between end of May to end of June. If we compare Q1, 2019 to Q1,2020 they are up on almost all KPI which shows that they are definitely on the right track. Provisions for Credit Losses (PCL) impacted their earnings thsi quarter but that is cash that could be put back into earnings in future quarters if covid restrictions do not cause major loan defaults going forward. There are many reasons to be optimistic. Hopefully the clouds will lift completely by the end of this year.