the cares act, they could find ways, as brian chapala highlighted, there are ways to make municipal facilitiese attractive, lower the costs trying to borrow. it could still help at the margin in terms of making that market even more liquid and make it easier for issuance to take place. we are talking about things at the margin, whereas fiscal policy can do direct payments to people who really need it to make sure their standard of living is kept afloat in a period of immense turbulence we are headed into. a lot of the experts say that the havoc has a greater risk of getting out of control, especially because we are getting colder months. second waves have actually a lot more common if you look across the world, if you look even within the united states itself. that risk, coupled with the fact that people cannot earn income that easily. even after the on employment rate news on friday, there is out there.ot of pain romaine: the idea that you had a certain segment of the population generally rebounding much faster than the lower income folks out there. is there a sense that the top end would be