Thousands of your flights are canceled due to COVID-19, some by AA and some by customers anticipating their newfound inability to travel. You want to give your customers banked flight credit for future use because the airline is presently hemorrhaging money, but most of them want a cash refund, not credit. Do you think giving your customers credit instead of a refund is legal? Why or why not? Does it matter if the customer canceled the flight or AA did it first?