I was having a conversation with one of my principals the other day and he made the comment that the one "good" thing about all of this is it has made us all realize just how unprepared we are for any of it. Someone asked him to clarify and he just said "all of it". Everyone from most individuals to the local state and federal governments were just not ready. It is kind of scary when you think about it. I wouldn't be shocked if everyone finds some space in their house for a pantry after this and everyone is going to be watching their money a lot more closely. The problem is, just like 2008 eventually most of them will all fall into complacency again and it will take another crisis to kick them out of it.