 And maybe that's not something people have considered. Okay, you're saying maybe consider delaying or changing my travel plans this summer. Maybe you booked the flights, they're refundable. Maybe you can save the points for later. It'll still save you if you haven't booked the hotel or maybe the hotel is reimbursable. Again, maybe just adapting rather than throwing yourself out there into the vacation that isn't fully planned or paid for yet.