So yes, I would maintain a strategic cash reserve, but I don't think you will see any credit freezes, if anything the opposite.Remember, we don't have to beat the CV or stay at home until it's disapeared, we only have to allow for medical capacity to get caught up - flatten the curve.Next flu season (winter) Covid19 will probably come back, just like influenca does every year and kills up to 50k Americans, and it does not make the news, it's normal.

Lenders are at capacity and there are many other factors to consider.

Two have product priced to move, the rest are trash, they do not want more business.It's capacity.

American Airlines announced it will reduce capacity by 30% and that may last through the peak summer season.

American Airlines announced it will reduce capacity by 30% and that may last through the peak summer season.

Being signed up with several dozen banks and lenders gives me a nifty perspective.All of them  hit capacity a week ago, and have been pricing themselves out of the market.What's  happening right now is when they are sitting under ground (with trash rates) until capacity opens up.

If someone needs help I will address it with them individually.As @Todd Ortscheid pointed out most courts are closed or running at a limited capacity.

One thing to realize with our rural states is that our healthcare capacity is much lower than other areas of the country.

Banks are so far over capacity right now that they are increasing rates and fees to try to discourage refinances.

You can definitely still get permits in Philadelphia from L&I although they are operating with limited capacity.