The Covid-19 crisis has had a significant impact on the population which Habitat Miami serves. As our constituency are low-income families, many who work in the travel and service sectors, they have seen their limited incomes further reduced. This has had an adverse effect on mortgage payments, and we have seen delinquencies inch up as a result. Habitat has dedicated a staff person to discuss these issues with our partner families so we can alleviate their concerns, and help them address any potential long-term issues. Our goal is for families to stay in their homes and we will continue counseling and advising them accordingly.