everyone for a loop, especially in those most vulnerable industries. i mean, how much do you see the ripple effect of this latest pandemic adversity hitting into 2022? well it really depends on what the path of omicron looks like. if in fact, we have this surge of infection that s quickly re recede, and it s over almost as quickly as it begins, and there s a little bit of evidence that suggests that could be the case, basically what we ve seen in south africa, then we will have one difficult month perhaps, where once again, consumers are skittish about going out, and shopping and engaging in travel and other in-person activities. workers might be wary of going to work. people are getting to sick and they can t go to work and engage in their normal economic lives. but in a few weeks, you know, knox on wood, that might be over. that would be certainly the good scenario. the bad scenario, of course, it