That's a great question, and the short answer is that it's more the latter.
As you can appreciate, whether it's commercial real estate, residential rental real estate or any other industry or sector one could think of, there are teams at banks not only collaborating within their own institutions, but also trying to tap the collective selection of capital at, frankly, their competitors, to ask whether there are creative things they can think of. There are teams studying all of these issues across a range of industries, because it's well understood just how significant and how severe these economic challenges are.
As I'm sure you can appreciate, a lot has come at the banking industry in a very short period of time, and in addition to trying to get some of these programs out and launched, which needed to happen, there is an eye to a medium-term and longer-term view as well.