we appreciate it we'll talk more about this now i'm joined by randy girardi, head of municipal strategieso securities randy, it's good to have you how do the dominoes continue to fall here? what do investors need to watch for? >> thanks for having me, kelly we were already cautious with the higher ed space coming into 2020 we certainly think moving to online learning, the hybrid model, as ramifications for student housing as mentioned i think there are three things students need to focus on, location, location, location where these facilities are located, being on campus versus off campus, amenities will be the second thing to focus on and the ability to reaching student interests in changing preferences, like not sharing dorms, for example, showering that has a bit more privacy, et cetera, in this new age of covid-19 >> i'm going to ask you this from the college point of view even though you're the investing guy, but what happens once colleges default on these payments presumably they want students to come back and fill those properties in the future >> one municipal financial, usually y

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