If you are going to replace the roof and windows anyway, I’d go with a gray roof, black windows and sconces, and paint the house white (I think the vertical siding fits the house, even if you replace it).  

Say hey to Gray Nelson if you ever go :P

The only thing I would mention is the Gray  skies and dreary weather.

@Nicholas Gray I have strong relationships with contractors who prioritize safety and have the protective gear to keep themselves and others safe and healthy.

@Anthony Thompson Thanks a ton for a prompt welcome note!

The vanities have a light gray/brown speckled finish.   

@Lisa Thompson@Ken WargWe usually have a meetup the first Tuesday of the month but have postponed for now.

@Brandi Pearl Thompson Thanks so much!

But what I read in several advisories sent out by law firms that represent financial institutions indicate something else: Like this advisory from Thompson Coburn, that quotes a joint statement put out by all credit agencies (FDIC, etc.): "The agencies have confirmed with staff of the Financial Accounting Standards Board (FASB) that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief, are not troubled debt restructuring."

Especially during a downturn.We lean towards being very conservative in our numbers and have little gray space on whether to proceed or not.