We've got strategy and backup strategy in mind yes, but it's a fluid situation with a lot of unknowns right now.

Bad debt and concessions are the big unknown, but what is most likely is both will rise in the near term. 

It is a weird time right now to be able to assess risk because there are so many unknowns. 

If this was not such a freak situation I would say it's going to go up, but the virus and how it impacts us is a great unknown. 

Yes because as buyers become more concerned about the unknown of COVID 19, they are pulling out of contracts, and there is more inventory on the market (we have had quite a few clients pull out of contracts out of fear this month). 

Then clearly you are not up to date on which YouTube influencer made a shockingly outrageous comment about the shoes an Instagram influencer was wearing at the recent release party for an unknown "rap star's" new album. 

Since you're new --- in this market right now --- you don't want to pick up marginal deals as the next 12 months are unknown.

Conserve cash wherever you can, these are unknown times.

You should be able to make a wild guess based on the marketing, but there are usually unknown costs that will only be uncovered after a detailed inspection.

Most Of us have our savings invested In low paying returns because of fear of the unknown.