The Impact of Non Bank Services on the Mortgage Market

So we're talking about the mortgage, the mortgage banks, the mortgage servicers. And the question is how big a problem, this cash problem do they have exactly? And you're saying, well, how many people are actually going to take up the forbearance, the mitigation, because that's going to determine the size of the problem. So first first variable is what's uptake among borrowers? Yeah, that's that's the first variable. That was probably where there was the widest range. The second variable is who actually bears the burden. And then the last variable was how much resources to the non banks have. We tried to get both the capacity for the industry and the burden of