cherry picking is the name of the game right now with the risk of defaults. 1/4 of the PPP loans may go bust according to data from the small business associations and loans over $25K required PG's. About 14% is anticipated in BK filings of all businesses as well. we have not even seen the swell of bad debt. just because states reopen w/limitations does not mean a borrower is in any position to take on these loans right now.