"normal" what was it, and, what will it be. that is a philosophical debate among many. many agree that what was, will no longer be moving forward. Covid changed many aspects of our lives moving forward. add in the civil unrest and racial issues going on and it further shows you that what we all thought was normal, may have just been a mirage. a presidential election also has many on edge as the dems and gops duke it out over the next several months. 2020 has become a year of uncertainty with no guarantees moving forward, but, I think post election, we will have a better path for 2021. as for lending money, it will always be around. each funder will adjust it's UW as needed, contract as needed, expand as needed.