Yes, I'm aware of that. Mind you a lot of people still aren't paying, and we've already had deferrals. It doesn't matter if "XYZ owes $100k" is on the books if

Yes, I'm aware of that. Mind you a lot of people still aren't paying, and we've already had deferrals. It doesn't matter if "XYZ owes $100k" is on the books if it's never going to get paid. We may as well formally eat the losses now, because we're already doing so unofficially. It's the only way to actually move forward.