things are moving so quickly it's hard to keep up with all the state and local changes that areen happening. you're actually right there's a lot of people who are in your situation right now who, whether they're first-time homebuyers, new homebuyers or longtime homeowners, who are worried now about how they're going to be able to pay their mortgage, especially if you are at risk of losing work hours because of the shutdowns in cities or if you're losing a job for the same reason. people are getting sick family and areare getting sick having to lose work hours. all of this is a reason why we are pushinglo so hard to give bh the renters and homeowners and assurance that they can keep their homes during this emergency, and they won't be saddled with debt as a result of when this crisis inns. re under t will give some of that assurance. some of it is at the state and local level, where they are passing moratoriums on any kind of foreclosures or mortgage forbearance. provisions ofr the bill being considered in congress on the income side. part of the reason people are concerned they may not be a