It's less about COVID and it's more about the plunge in mortgage rates nationwide or worldwide, but nationwide that has caused this massive demand for housing, but at the same time, lenders are not morally flexible as we would think of them during the housing bubble where credit conditions are actually about 20% tighter than longterm norms. So as we go through this housing boom we're not looking at a banking crisis at the end of it. https://www.solvecast.com/articles/detail/26189-impact-of-remote-work-on-real-estate-with-jonathan-miller-president-ceo-miller-samuel-inc