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[Music] [Applause] [Music] hey everybody welcome to this episode of the collective brought to you by wfg national title i am your host lisa suazo here on the collective we highlight authorities and influencers in the real estate space with the idea that we want to raise the collective so to that end were always looking to share helpful information and ideas and because of that i get the privilege of introducing my colleague at wfg national title for this episode brett fuqua is joining me today brett welcome well thank you welcome good morning good morning so you guys i wanted to have brett on today because were covering a really important topic which is forbearance so just to kind of tea this up for brett um what weve been seeing on the title side is more and more that transactions are being impacted by forbearance so as you know the beginning of covid many people took advantage of the forbearance programs and opportunities that were available and so now were seeing that reflected
