should ali bostic joining us now with a few of those details. of leverage do they have and what specifically are they asking for? nali: my colleague makes a great point here, that they are rushing to make sure they get the cheapest rates available for their clients. but now, you are seeing interest rates for some of these corporate bond yields go higher. finally, after many years of not having any leverage, banks are starting to say, wait a minute, we are going to need to tighten the reins. little bit, especially as all of america is rushing for money. scarlet: in some instances, you have banks treating investment-grade borrowers as if they are junk borrowers. can you give us some examples? sonali: something that is so interesting, the rates are one thing. interest rates for mandatory repayment clauses. the idea that they are having anti-cash hoarding provisions here to make sure that they are not just drawing down their credit lines to hoard cash. the reason that is interesting is because right after we saw this pandemic spread, we saw people t