I think the impact would be minimal for XRO should the vaccine...

I think the impact would be minimal for XRO should the vaccine work and the world return to normalcy. I work in a public accountancy firm and most accountants think that Xero is a brilliant product. Once a company makes the switch to Xero (or any other accounting software for that matter), it is very costly and time consuming to switch to another accounting software. It is a rather sticky product. So just because the vaccines work, doesn't mean the companies which have made the switch would suddenly stop using Xero. In fact, it may even be a positive once international travels resume, so the company could ramp up its marketing and Road shows initiatives.

IMO