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[Music] welcome to the note investor podcast we'll guide you through the ups and downs of note investing and teach you all about the nitty gritty details of the business that other people won't talk about your host dan deppen is a former aerospace engineer and product manager who transitioned away from cubicle life to full-time note investing in 2018 our website is www.fusionnotes.com where you can subscribe to this podcast comment and find links to other information on note investing [Music] hi everyone welcome to the note investor podcast i'm your host dan deppen and in this episode i'm going to be talking about forbearance agreements forbearance agreements are something that's been in the press a decent bit lately with covid and everything else going on a lot of the banks have been issuing these and there's a lot of discussion about them in various parts of the media but there's also a lot of confusion around what exactly they are and how they apply so what i want to try to do toda...