question. i actually sold half of our commercial real estate portfolio, not because of the pandemic, because it became too large in terms of our diversification mandates. then when the pandemic started we it continued to sell down commercial real estate because of cap rates, the value of the buildings going down particularly aaa. the law firm and financial services companies are cutting their need of real estate so commercial real estate is in a bit of a funk as we try to figure out the owners are optimistic everybody is coming back but that s not the only problem. they were built over 20 years ago where the hazmat systems, the airflow systems, the way they work within a pandemic environment, is not good enough for people to want to go back in the building. the air circulation isn t filtered, the wash rooms aren t configured for a pandemic or the flu. billions of dollars have to go back and change that and that puts a lot of pressure on it.