Commercial real estate, student loans and automobiles are the issues at hand today.

You now have to take the first tenant that knocks on the door or be sued by the city, they have imposed a "rich man's tax on people who are successful", if you solicit someone who is in foreclosure or *thinks* they may end up in foreclosure it is a "criminal act" and you could find yourself in court, they have reduced the number of automobile lanes to accommodate having more bicycle lanes (Seattle is *hills*, do you know how long it takes a bicycle to climb 1st hill in the rain in friday night traffic?

Property taxes are less per $1,000 in Real Estate (California Prop 13) if you don't buy to flip, California had too many people, Many People who were put on Buses and sent here as homeless looking for low-skilled jobs but most refused $18 per hour jobs as farmworkers, over the last 4 years from other States. many of The Maskless COvid-19 and anti-Science Global Warming deniers seem to be leaving our area, we now see a 43% COVID infection rate in White Makes over 40.

At one point Governor Cuomo had South Dakota on the "no travel list" to NY because of infections in our state.

There's certainly an underlying motive of greed prevalent in the world and this industry is not immune to it; and for that reason I ask, when is enough enough?

My two cents- if we see a second wave of infections towards end of summer and fall, we’ll have a big problem.

So (328,200,000 x 0.70) 229,740,000 would have to had been infected at some point to provide herd immunity. 

But, when the market crashed even here in Silicon Valley, we lost 25% of our tenants overnight, other apartment complexes with lots of amenities had giant signs on the buildings that said no credit checks, free first month's rent, no security deposits - not kidding.What we learned was that student tenants are crash-immune. 

So the landlord gets tenant to agree to let landlord put in place renters insurance coverage; but maybe tenant had renters insurance coverage built in with existing insurance company on their automobile policy and just kept paying the premium.

The "Known Phase": Infection rate peaks.