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[Music] welcome to the note investor podcast well 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 wont 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 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 im your host dan deppen and in this episode im going to be talking about forbearance agreements forbearance agreements are something thats 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 theres a lot of discussion about them in various parts of the media but theres also a lot of confusion around what exactly they are and how they apply so what i want to try to do toda