My own for example. I do business online. Everything stopped for a year. Had to pay employees out of pocket because letting them go would mean their families go hungry. In all fairness, I could not do that so took a major hit. Same for restaurants, hotels, travel agencies, everyone doing wfh, tourism, we have a bunch of software development businesses, like huge ones and they simply closed shop and moved hundreds of employees outside the valley. Anyone who couldnt do that, like ours suffered. Simple as that.