Regarding a time that I had to tell a client bad news, I'll use when I worked in collections. That role in itself is bad news because some clients don't realize that they have a past due balance on their account, but as far as the result of delivering that type of news, I would move forward with the client as to what options they have to bring the account back current, so whether that would be an extension for two or three months, in the case of COVID it was two or three months, before that it was one or two months, but basically just proceeding with the best option to get their account back current, so I would say that was the result of delivering bad news when I was in collections.