Thanks for the question.
Yes, absolutely. With all the liquidity that's been injected through the programming, it's really important that the financial institutions do in fact go ahead and make those lending amounts available.
At this stage, it's really about new development. If we're having trouble getting access to those funds, it's definitely a more risky time, depending on the projections. Under the conditions, I would think that some of the loan rules and considerations should be a little different, to ensure that we can be part of the recovery.
The same holds true where, in some cases, homeowners who did make a purchase are not qualifying for their mortgage anymore, and that sort of thing, which means that some additional financing is going to be required while builders and developers hold onto this inventory longer until such time as they can move the product in a different way.
Whether it's more regulation, whether it's influence, nudge, whatever the case may be, we do think there needs to be some discussion to make sure that money can be released in the way it should be at this time.