We don't know yet if SVB's letters of credit will be covered by the FDIC. We've heard from owners that some are being serviced as usual, and we know Signature Bridge in a mutinary bank has opened for business. And there's even more uncertainty around delinquent loans or loans that had enclosed when Signature shut down. Number three what this means for the multi-family market and real estate lending in both New York and elsewhere. Four how these twin collapses may impact the Fed's decision to boost or pause rates this month.