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When the world changed in the middle of March 2020, it seemed like a 90-day relief on loan payments would get us all through the COVID 19 crisis.  At that time, schools were closed, but all predictions then were that schools would re-open for the 2020 school year.  Banks were offering commercial real estate borrowers 90 day relief on their loan payments and we were all hopeful that the world would be back to pre-COVID days by early summer. 

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