All this hang in there and just endure is crap.

Im sure the credit institutions understand the effects that we all endure....To add fuel to the fire, what would happen to these large mullti- families if one becomes known as a large carrier for a pandemic virus?

Also going back to your points about E&O and liability, the incompetent agent that has a seller list $50K high who then has to endure 6 months of sitting there and multiple $10K price drops just to get back to baseline has no liability or culpability.  

i figured some agency was tapping my phone to see if i was some type of threat. i feel sorry for those guys who had to endure my boring phone calls!  

The hardship Morris is enduring is funny to imagine.  

(d) For purposes of this section, “material economic hardship” mean that persons enduring the economic hardship would have to limit spending on household necessities.