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the last time we did this every member of the GC circuit we can go into this but so subjective General Im sorry thank you many former members of the DC circuit Id like to okay Id like to hear about the merits of this case I want to come back to some of the claims that um uh both sets of respondents here have in common dealing with what weve called the arbitrary and capricious aspects of the case and as I understand it the memorandum really talks about two things it talks about forbearance and it talks about sort of Economics slash covet conditions forbearance as a kind of separate thing that people who have been granted forbearance for long periods of time are more likely to go into default or become delinquent in their payments um and I guess I wonder is that about covid or is that just about something that happens when you excuse loan payments for a long period of time and how it is that that gets to be converted into an emergency covid rationale and then on the economic consider
