diane yentel is director of the national low income housing coalition.. thank you forjoining us on bbc news. there has been a lot of what has been described as unnecessary emotional and psychological stress, and it sounds like it might not be over yet because there is going to be some sort of delay before this falls into place? it's been tremendously stressful for tens of millions of renters on the verge of losing their homes when the eviction moratorium expired on thursday. people have been left really write up people have been left really write up to the last moment wondering whether or not they were going to lose their homes next weekend in the weeks to come. the good news is that while it will take some time get the emergency rental assistance out to renters and two small landlords, the extension of the federal eviction moratorium takes effect immediately, so moratorium takes effect immediately, so there is a reprieve there, there is time now for states and localities to get that money out the door and potentially for president—elect biden, when he c