Are you seeing any other trends in the Commercial sector. 

A little about me: My husband and I live in the SF Bay Area, we have a 3 year old and a newborn and we both work W2 jobs in the biotech industry.

There is a lot to go into it and recommend BP and youtube to learn more about the industry. 

However, this proposal still needs to be debated and approved by the Spanish Parliament, where it is likely to face opposition from various political and economic sectors.

That is going to be the best way to meet others in the industry from that market. 

Historically industries have been killing competitors in this way.

While less than 10% of the mortgage industry offers 40-year mortgages, here's something to factor in: they often come in with a rate increase of 20-35 bps.Assume 35 bps.$300k mortgage at 7.25% (30-year): $2,046$300k mortgage at 7.6% (40-year): $1,996Technically, it lowers the monthly, but not by much once factoring in the rate adjustment.

There is a wide range of sectors within commercial real estate.

Entire US industries have been decimated due to an exploitative trade imbalance.

This will lead to many of the professionals in the same industries who already are not doing that well to fall out of competition and hence be "replaced'.