Everything has opened back up in my city but it's been four months since the first lockdown and now my behavior has changed. I no longer want those old experiences again, at least not as frequently.

I think everyone is underestimating the behavioral changes two months of lockdown can bring about. 60 days is exactly the number of days you need to cement a habit. We've had more than that.

If even 10% of the people end up changing their behavioral patterns, businesses that depend on these customers have 10% lower business. That's huge, especially when you borrowed debt expect +10% growth, not -10%