Bankers are now entering the phase of the pandemic where things will start to intensify. Until now the deferments and the delays in recognizing troubled and defaulted credits (as mandated by the CARES Act) have allowed us to focus on the customer. The social safety net (as enacted by Congress) has allowed many, but not all, people to keep up with their expenses. The myriad of actions taken by the government in March have pushed out the day of reckoning (financially, at least) into the late fall or early next year.