Supporting that direction, unlike prior crises, or very different from prior crises, is a whole reconfiguration of the consumer budget. They're not spending money generally on travel, on entertainment, at a meal at a restaurant, on apparel. So they do have some flexibility that's more prevalent now than has been the case historically, which they can redirect and many are redirecting if they choose to do so.

Oct 20, 2020 / CEO / receipt, needs a key / John Donahoe, CEO | earnings call 2020-10-20 | transcript 81f34a18-298b-4c4c-8394-74af780772e6 | chars 42021-42431 | segment 43