Office is still an exception and the company has low exposure to SASBs.

The more places you operate, the more differing regulations you might face.

The have improved across the board.

Learn how to bring in all the data you need in the proper formants.

Community banks are doing better, even though they have fewer assets.

The major trouble is with single asset, single borrower structured loans.

It's too many units and some shifts since the pandemic.

Demand for office space has gone up in cities driven by high tech.