So, slowly, they under-cut each other over time until consumer offered rates fall to where they "should" be if you just think it tracks 1-to-1 with mortgage backed securities or t-notes (or whatever you believe it is "pegged" to, as if we didn't live in a capitalist society).

Massive layoffs, banks are not lending, people are not buying Starbucks ...If you see the stock market just had one of the biggest gains in history the virus is an excuse to sell and correct.All three benchmarks closed in correction territory, defined as a decline of at least 10%, but no more than 20%, from a recent peak.The only pandemic we need to worry about is society's utter hysteria. 

@Ira Sullivan Also, you can check with your local Historic Society or the municipality’s historic division.

Healthcare Information and Management Systems Society's global health conference, The Grainger Show, and McDonalds worldwide conference are all larger size events that cancelled.

In the end we are a hyper capitalist society and the laws of economics will win in a big way.

Just be smart when you spend money to do good in society.

Despite what we may like to believe, this society is male dominated and can exhibit extreme forms of sexism. 

This tenant would have been considered a danger to society.   

However, we are a nomadic society (as are some other countries) and travel will resume. 

Again, I am not an attorney, but I have difficulty believing, even in this absurdly litigious society, that you can be held liable for dangers caused to a person, by that person, in regards to fire hazards or whatnot stemming from their housekeeping or actions.