FYI that was unprecedented time for us as well. When no money was coming in from layoffs at work due to Covid, that $8,000 was critical to me to feed my family and pay my bills. Four months was as patient as I was willing to be. Do you know what kind of interest Carnival made with, as you say “Carnival had almost 3 billion on deposit”. 3 billion of other people’s money would make a pretty good penny for a company no longer paying their crews or fueling their ships. So it’s fine for Carnival to keep our money to keep them afloat, what about giving our money back in a timely fashion to keep me afloat?