A very serious question we must think about . Somewhere down the line a full quarantine is a good bet. How will agents handle weeks with little to no possible income? How will agents handle fixed cost direct mail that still comes in? Will many people even mail cards in or answer FB ads? I played a tennis match today and everyone was keeping a distance from each other. Hell will people even let you in the home? We don't need to discuss the utter panic out there. Everyone can see it . If your not well capitalized i fear you won't make in to see the other side in this business.