Oh I completely agree and you're absolutely right. It will be a new normal. The world and the US will not be the same after 2020. You can bet your savings that the businesses that have lost from this will hedge against this happening to them again. I am not sure if we will see these changes in how they insure or if we'll see these changes trickled down to us consumers. In that case I'd assume that the cost of many types of things will rise next year. One thing I never thought I'd see in my lifetime was the embracing of teleworking. Not that many companies had a choice, but still. They are now forced to create protocols for it, integrate software to enable it, implement schedules and management for teleworking. They are forced to show it can work so now it will either be proven or fail for a lot of industries. How will some of these companies go back to being only "on-site" after this? Last year I came upon story after story of millennials on the job hunt seeking out jobs with remote work options. It's become a highly sought after perk and can be the difference in retaining candidates. Now that employees have gotten a taste of it and companies are being forced to show it works I think we may see a bit of a power shift take place this year. Time will tell. Anything that empowers employees and human beings in the workplace is okay in my book.